The Hero's Penalty: How Social Security Works for Educators;

The Social Security Rules are Different for Educators

In The Hero’s Penalty, Devin Carroll brings you a clear and concise vision of your how these Social Security rules will affect you, your spouse, and your retirement together. If you want to make sure you aren’t misinformed about your benefit options and can plan for your future with confidence, reading this book will give you the knowledge you need to optimize your retirement income. 

You’ll learn: 

• The basics of Social Security
  
• The nuts and bolts of the Windfall Elimination Provision
  
• The two ways to sidestep the effect of the Windfall Elimination Provision
  
• How the Government Pension Offset works
  
• How to get around the Government Pension Offset
  
• How to treat 403(b) plans, 457 accounts and ORP