Social Security, maximized.
When and how you claim can change what you receive for the rest of your life. Our NSSA-trained advisors help you decide with confidence.
One decision, a lifetime of income.
You can start Social Security retirement benefits as early as 62, at your full retirement age, or as late as 70, and each choice changes your monthly check. We help you weigh your health, work plans, spouse and savings so the timing fits your life.
Guidance on every part of claiming.
When to claim
Compare claiming early, at full retirement age, or delaying for a larger monthly benefit.
Spousal benefits
See whether you can receive a benefit based on your spouse’s work record, and how to coordinate both claims.
Survivor benefits
Understand what a surviving spouse or family member may receive, and how to plan ahead for it.
Working while claiming
Learn how earnings before full retirement age can temporarily reduce your benefits.
Taxes on your benefits
Find out whether part of your benefit may be taxable and how to set up withholding.
Coordinating with Medicare
Line up your Medicare enrollment with your claim, including Part B premiums taken from your benefit.
How we help
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Review your recordWe look at your earnings history and benefit estimates from your my Social Security account.
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Compare your claiming agesWe show how each option affects your income, your spouse and your survivors.
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Claim with confidenceWe help you apply at the right time and coordinate it with your Medicare enrollment.
Helpful resources
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my Social Security accountSee your earnings record and personal benefit estimates on SSA.gov.Open SSA.gov ↗
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Medicare & Social Security FAQStraight answers to the questions we hear most.Read the FAQ
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Glossary of termsPlain-English definitions for Medicare and benefits jargon.Open glossary
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Forms & downloadsOfficial forms and our free guides, in one place.View forms
Unity Benefits Group is not affiliated with or endorsed by the Social Security Administration or any government agency.
Get the most from your benefits.
Talk with an NSSA-trained advisor about your claiming options.