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101 Social Security & Medicare Pitfalls...and How to Avoid Them
The 2025-2026 Updated with crucial law changes affecting Social Security & Medicare in 2025 and 2026
Is a single, overlooked deadline or a simple misunderstanding about the rules costing you hundreds or even thousands of dollars in retirement?
Navigating Social Security and Medicare can feel like walking through a minefield. The rules are complex, the advice from friends is often outdated, and one wrong step can lead to lifelong penalties, permanently reduced benefits, and unexpected healthcare costs that deplete your hard-earned savings.
But it doesn’t have to be this way. 101 Social Security & Medicare Pitfalls is the clear, practical, and up-to-date roadmap every American needs to secure the retirement they deserve. This guide demystifies the system and empowers you to sidestep the common traps that catch even the most diligent planners.
Thoroughly updated for 2025 to include major law changes! This edition contains essential, must-have information on the monumental changes that make other guides
The Social Security Fairness Understand what the full repeal of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) means for public servants and claim the full, unreduced benefits you've rightfully earned.The Inflation Reduction Learn how to navigate the new, simpler Medicare Part D structure with its $2,000 annual cap on out-of-pocket drug costs, replacing the confusing "donut hole" and saving you money.Inside this essential guide, you will discover how to avoid costly mistakes,
Pitfall #6: Missing your Medicare Initial Enrollment Period and facing permanent, lifelong late penalties.Pitfall #22: Claiming Social Security benefits too early and permanently slashing your monthly income.Pitfall #69: Mistakenly believing Medicare covers long-term care—a misconception that can devastate your savings.Pitfall #15: Getting hit with an unexpected tax bill on your Social Security benefits.Pitfall #47: Missing your one-time window for Medigap guaranteed issue rights and being denied coverage later.Pitfall #25: Failing to coordinate spousal benefits for maximum household income and survivor protection...and 95 more costly pitfalls that can jeopardize your financial security and peace of mind.Stop feeling overwhelmed by complexity and afraid of making the wrong move. This book provides the clear, actionable solutions you need to make confident decisions about your Social Security and Medicare benefits.
Don't leave your retirement security to chance. Scroll up and click the “Buy Now” button to get the peace of mind you deserve.
This book is for educational purposes—consult a licensed advisor for personal recommendations.
Is a single, overlooked deadline or a simple misunderstanding about the rules costing you hundreds or even thousands of dollars in retirement?
Navigating Social Security and Medicare can feel like walking through a minefield. The rules are complex, the advice from friends is often outdated, and one wrong step can lead to lifelong penalties, permanently reduced benefits, and unexpected healthcare costs that deplete your hard-earned savings.
But it doesn’t have to be this way. 101 Social Security & Medicare Pitfalls is the clear, practical, and up-to-date roadmap every American needs to secure the retirement they deserve. This guide demystifies the system and empowers you to sidestep the common traps that catch even the most diligent planners.
Thoroughly updated for 2025 to include major law changes! This edition contains essential, must-have information on the monumental changes that make other guides
The Social Security Fairness Understand what the full repeal of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) means for public servants and claim the full, unreduced benefits you've rightfully earned.The Inflation Reduction Learn how to navigate the new, simpler Medicare Part D structure with its $2,000 annual cap on out-of-pocket drug costs, replacing the confusing "donut hole" and saving you money.Inside this essential guide, you will discover how to avoid costly mistakes,
Pitfall #6: Missing your Medicare Initial Enrollment Period and facing permanent, lifelong late penalties.Pitfall #22: Claiming Social Security benefits too early and permanently slashing your monthly income.Pitfall #69: Mistakenly believing Medicare covers long-term care—a misconception that can devastate your savings.Pitfall #15: Getting hit with an unexpected tax bill on your Social Security benefits.Pitfall #47: Missing your one-time window for Medigap guaranteed issue rights and being denied coverage later.Pitfall #25: Failing to coordinate spousal benefits for maximum household income and survivor protection...and 95 more costly pitfalls that can jeopardize your financial security and peace of mind.Stop feeling overwhelmed by complexity and afraid of making the wrong move. This book provides the clear, actionable solutions you need to make confident decisions about your Social Security and Medicare benefits.
Don't leave your retirement security to chance. Scroll up and click the “Buy Now” button to get the peace of mind you deserve.
This book is for educational purposes—consult a licensed advisor for personal recommendations.
325 pages, Kindle Edition
Published August 15, 2025
12 people are currently reading
1 person want to read
About the author
William Harrington
51 books10 followersWilliam Harrington is mainly known as the author of Murder at the President’s Door, his specialty was mainly in detective stories. He was a lawyer from 1958 to 1976, an electoral adviser from 1962 to 1965 in Columbus, and finally an attorney from 1978 to 1980. His first novel The Justice Which, Which the Thief, published in 1963, received positive critics. It was a real case story about a couple of jewelry robberies in Ohio.
His other popular book was published in 1982, The English Lady, it is an espionage novel about Winston Churchill and her confidante spying on the Germans during the Second World War. Between 1993 and 1998, he wrote the Columbo series, inspired by the television series American Columbo. He Co-authored with Elliot Roosevelt on the investigations of Eleanor Roosevelt, the wife of the US president, Franklin Delano Roosevelt. Between 1963 and 2001, he has written over 20 interesting and captivating books.
His other popular book was published in 1982, The English Lady, it is an espionage novel about Winston Churchill and her confidante spying on the Germans during the Second World War. Between 1993 and 1998, he wrote the Columbo series, inspired by the television series American Columbo. He Co-authored with Elliot Roosevelt on the investigations of Eleanor Roosevelt, the wife of the US president, Franklin Delano Roosevelt. Between 1963 and 2001, he has written over 20 interesting and captivating books.
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Displaying 1 - 3 of 3 reviews
August 23, 2025
A must-have guide for anyone planning retirement
This book is exactly what I needed to cut through the confusion around Social Security and Medicare. Harrington lays out the traps people fall into with clarity2025 and compassion, and the way he numbers each pitfall makes it easy to track what applies to your situation. I appreciated how current it is, he covers the 2025 updates like the repeal of WEP/GPO and the new Medicare Part D cap, which most guides barely mention. It’s written for real people, not policy wonks, and that makes all the difference. As someone who values autonomy and intentional planning, I found this book empowering. I flagged several sections for follow-up, especially around enrollment timing and long-term care misconceptions. I highly recommend.
This book is exactly what I needed to cut through the confusion around Social Security and Medicare. Harrington lays out the traps people fall into with clarity2025 and compassion, and the way he numbers each pitfall makes it easy to track what applies to your situation. I appreciated how current it is, he covers the 2025 updates like the repeal of WEP/GPO and the new Medicare Part D cap, which most guides barely mention. It’s written for real people, not policy wonks, and that makes all the difference. As someone who values autonomy and intentional planning, I found this book empowering. I flagged several sections for follow-up, especially around enrollment timing and long-term care misconceptions. I highly recommend.
September 18, 2025
Fantastic resource for retirees!
I’m so glad I found this book…what a great resource for preparing for retirement. I’m probably 10 years out, so getting my head around the details of social security and Medicare is important. This book is laid out in a way that makes it very easy to follow. I like the examples and pitfalls approach…makes the concepts easier to grasp. Highly recommend!
I’m so glad I found this book…what a great resource for preparing for retirement. I’m probably 10 years out, so getting my head around the details of social security and Medicare is important. This book is laid out in a way that makes it very easy to follow. I like the examples and pitfalls approach…makes the concepts easier to grasp. Highly recommend!
August 20, 2025
Clear writing
What I liked most about is how it breaks things down in a way that actually makes sense. Instead of just listing rules, Harrington explains the reasoning behind them, which makes the advice easier to apply and trust. For anyone approaching retirement or supporting someone who is, this book gives great guidance that could make a big financial difference
What I liked most about is how it breaks things down in a way that actually makes sense. Instead of just listing rules, Harrington explains the reasoning behind them, which makes the advice easier to apply and trust. For anyone approaching retirement or supporting someone who is, this book gives great guidance that could make a big financial difference
Displaying 1 - 3 of 3 reviews