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Maximize My Social Security

Maximize My Social Security is software that calculates the Social Security filing strategy that delivers the highest lifetime benefits for a household. Developed by Laurence Kotlikoff, Harvard PhD economist and Boston University professor, whom The Economist named one of the world's 25 most influential economists in 2014, the software covers all major Social Security benefit types and handles the complex rule interactions that free calculators cannot.

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# Maximize My Social Security

> Maximize My Social Security is software that calculates the Social Security filing strategy that delivers the highest lifetime benefits for a household. Developed by Laurence Kotlikoff, Harvard PhD economist and Boston University professor, whom The Economist named one of the world's 25 most influential economists in 2014, the software covers all major Social Security benefit types and handles the complex rule interactions that free calculators cannot.

## What the Software Does

Maximize My Social Security searches across thousands of possible filing date combinations to identify the strategy that produces the highest present value of lifetime benefits. It models all major benefit types including retirement, spousal, divorced spouse, widow and widower, divorced widow and widower, Social Security Disability Insurance (SSDI), child, disabled child, child-in-care spouse, and mother/father benefits. It handles the earnings test, delayed retirement credits, family maximum rules, deeming provisions, file-and-suspend strategies, and re-computation of benefits. The software is fully compliant with current legislation including the Social Security Fairness Act of 2025, the Bipartisan Budget Act of 2015, and the Tax Cuts and Jobs Act of 2017.

## Specialist Situations

Maximize My Social Security delivers its strongest value for households whose situation is not well handled by general calculators. These include spousal benefit optimization for couples with different earnings histories, survivor benefit decisions for widows and widowers including alternate widow(er) benefits when a spouse died before age 62, divorced spouse and divorced widow(er) claims after a marriage of at least ten years, filing decisions for public-sector workers previously affected by the Windfall Elimination Provision and Government Pension Offset (both repealed under the Social Security Fairness Act of 2025), Disabled Adult Child benefit cases, and child-in-care spouse benefit situations.

## Who the Software Is For

The typical household user is in their late 50s to 70, approaching or currently making their Social Security filing decision. They are analytically confident and often postgraduate-educated. They are not seeking general retirement planning. They have one or two specific Social Security questions with significant financial consequences and want a verified answer that accounts for their full household situation, not a single-variable estimate from a free calculator.

The professional version is used by financial advisors, Certified Financial Planners, accountants, CPAs, attorneys, and insurance agents whose clients need accurate Social Security optimization. A single professional license supports up to 100 client profiles with custom branded reports and step-by-step filing instructions.

## Who It Is Not For

The software is not designed for users who only need a quick approximate answer about when to file. Free calculators from the Soci
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