SOCIAL SECURITY

Incorporate Social Security to grow

Retiring clients fear outliving their savings. Having a strategy around Social Security can help. While many clients default to collecting at age 62, there are many other options to consider. The rules are complex, but even knowing the basics can help you maximize client benefits.

Why discuss

01

Boost client loyalty

Demonstrate the value you bring by helping clients determine the right collection strategy.

02

Increase client referrals

Clients tell their friends about Social Security tips and who shared them.

03

Grow COI network

Help your center of influence partners (e.g., CPAs, lawyers) answer their clients’ questions to boost referrals.

Prospect with Social Security seminars

Securing your retirement
Help clients maximize benefits and gain confidence in their retirement plans. Share clients’ stories where choosing a different strategy impacted goals.
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Tailor conversations to client situations

Never married
Focus on the tradeoff of smaller benefits earlier compared to larger benefits later.
Married
Pay attention to spousal and survivor benefits. Collection decisions should be made jointly.
Divorced
Divorcees who are not remarried may be eligible for spousal or survivor benefits from marriages that lasted at least 10 years.
Children
Children under the age of 18 or adult children who are disabled may be entitled to benefits.

Maximize benefits for disabled adult children

Families of disabled adult children often miss out on federal benefits. Help clients navigate the process to collect SSI and maximize their family’s Social Security benefits over time.

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Optimize Social Security benefits

Social Security benefits estimator

Help your married, divorced, widowed and single clients select their strategy by comparing lifetime benefits across collection strategies and longevity assumptions.
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Understand collection strategies

Use our advisor guide to Social Security fundamental rules and key collection strategies to help guide your clients appropriately.
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Share Social Security resources with clients

Client brochure
Help your clients understand the fundamentals to make the best decision for their circumstances
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Frequently asked questions
Clients often ask similar questions about benefits and acronyms. Use our frequently asked questions to provide the guidance and answers your clients need.
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Quick reference guide
Share this “cheat sheet” of the important rules and time frames to help your clients make more educated decisions around collecting benefits.
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Supplement Social Security income

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Seek consistent income for your clients
The BlackRock Income Fund invests in a diversified set of global bond opportunities in search of high and steady income.
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Take a scaled approach to income
The BlackRock Multi-Asset Income Model Portfolios seek income across the full risk spectrum.
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Are your retiring clients asking about Medicare?

Healthpilot may be able to help them select an appropriate plan
Choosing a Medicare plan is complex and most clients want to seek advice from their advisor. Share Healthpilot’s online platform to enable your clients to enroll in an appropriate plan for their health needs and financial plan.
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Related materials
Medicare client seminar Medicare client seminar
Medicare quick reference Medicare quick reference

* By clicking “visit Healthpilot website,” you will be leaving BlackRock’s Site and entering a site operated and maintained by Healthpilot Technologies LLC (“Healthpilot”) and you agree that BlackRock and its affiliates, directly or through the use of the functionality available on the BlackRock website, is not: (a) providing advice or a recommendation with respect to any products or services referenced on Healthpilot’s site, (b) engaged in soliciting, negotiating or executing any particular insurance product or the insurance product offered by any particular insurer; and (c) responsible for determining whether any selected service on the Healthpilot website is suitable for you. Please be aware that the security and privacy policies for BlackRock’s website may differ from Healthpilot’s policies, so please read the applicable privacy and security policies closely.

Give clients’ Medicare plans a checkup

Choosing the wrong Medicare plans can be a costly mistake. Annual enrollment is the time to help clients select plans that are cost-effective for their needs.

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