Social Security
At Mere Benefits, we believe that planning for your future should come with the confidence and peace of mind that you are making the most out of your Social Security benefits.
That's why we're here to guide you every step of the way. Led by Kate Spilsbury, a certified Registered Social Security Analyst (RSSA ®), we specialize in helping you navigate the complex world of Social Security to ensure you receive the maximum benefits available.
Unlock Your Social Security Potential
Do you find yourself pondering how to claim your Social Security benefits? Wondering about the average benefits, what the Full Retirement Age is, or how earnings may affect your benefits? You're not alone. These questions are crucial, and the answers can significantly impact your retirement planning.
Here's where Mere Benefits steps in:
Comprehensive Planning
We don't just answer your immediate questions; we help you "Make a Plan" to take control and maximize your benefits. With over 90% of Social Security recipients failing to maximize their benefits, our mission is to ensure you're not leaving money on the table.
Expert Guidance
Kate Spilsbury, our leading RSSA ®, has undergone extensive training in Social Security regulations, including specific claiming strategies tailored to a variety of situations. With her expertise, you'll navigate through the complexities of Social Security with ease and confidence.
Personalized Analysis
Every individual's situation is unique, which is why we provide a comprehensive personalized analysis. Whether you've worked in government, a Social Security-covered job, or are concerned about the impact on your spouse, Kate will address these concerns with tailored advice.
Maximize Your Benefits with
Kate Spilsbury, RSSA®
Determining the optimal time to claim your Social Security benefits is one of the most significant financial decisions you'll make. Let Kate Spilsbury, RSSA®, guide you through this process. With her at your side, you'll avoid common pitfalls and uncover opportunities to increase your lifetime benefits.
Peace of Mind
Understand the full scope of your benefits and how they fit into your overall retirement plan. With Kate's advice, you'll gain not just financial advantage but also peace of mind.
Expertise You Can Trust
Passing a rigorous proctored exam to earn the RSSA® credential, Kate's expertise is backed by both comprehensive knowledge and practical experience in Social Security planning.
Filing, Appealing, or Updating Social Security?
Head over to our Appeals & Forms Resource Center to get direct access to key forms and how-tos.
No more confusion. Just clarity.
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Ready to secure your peace of mind through the best social security plan for you and your family?
Look no further! Mere is here to guide you every step of the way.
Ready to Secure Your Future?
Maximize your Social Security benefits and gain clarity for retirement—schedule your free consultation with Mere Benefits.
Take the first step towards securing your financial future with Mere Benefits. Speak with Kate Spilsbury for a consultation that could redefine your retirement planning. Choosing to engage with her means opening the door to a strategy designed to offer you thousands, or even tens of thousands, more in lifetime Social Security benefits
Take the first step towards securing your financial future with Mere Benefits. Speak with Kate Spilsbury for a consultation that could redefine your retirement planning. Choosing to engage with her means opening the door to a strategy designed to offer you thousands, or even tens of thousands, more in lifetime Social Security benefits
Personalized Guidance for Your Social Security Journey
Our approach to Social Security benefits is not one-size-fits-all. We recognize the importance of personalization in financial planning, especially when it comes to your future security. That's why we take the time to understand your unique life situation, financial needs, and long-term goals. With us as your partner, you gain more than just guidance through the initial benefits application process; you get a dedicated ally who stands by your side as your circumstances evolve over time. Together, we'll ensure that your benefits strategy adapts with your life, providing peace of mind that your financial well-being is in caring and capable hands.
Benefits of working with a professional who completed the RSSA® educational program
Did you know there are over 2,700 rules* that determine your Social Security benefits and numerous claiming strategies? Many people miss out by making suboptimal decisions. Kate Spilsbury, a trained Registered Social Security Analyst ready to help, whether you're single, married, widowed, divorced, or self-employed. Using the RSSA Roadmap® software, I can develop a personalized Social Security benefits plan tailored to your needs, that includes:
Claiming options comparison
Impact of future earnings
Maximizing spousal and survivor benefits
Avoiding benefit reductions
Impact of pensions (WEP/GPO)
Longevity scenarios
Benefits for children and family maximums
Cost of living adjustments
Trained to help in
Social Security
Help clients on applicable Social Security rules
Delivering Social Security income planning services
Competent using RSSA Roadmap™ software
Trained to use Social Security optimization software
Skilled at analyzing possibilities to obtain your claiming strategy
An active member of NARSSA
Completed the RSSA® educational program
Committed to high ethical standards
We can help with your Social Security decisions
Get help for your unique situation.
Married?
You may be able to collect up to one-half of your spouse's benefit.
Divorced?
You may qualify for Social Security benefits from your ex-spouse.
Widowed?
You may qualify to receive survivor benefits that are more than your own.
Disabled?
You may qualify for Social Security Disability Insurance (SSDI) benefits.
Self-employed?
You may decrease your payroll taxes and still receive maximum Social Security.
Immigrant?
If you're a lawful permanent resident, you may qualify for Social Security.
Did you know?
The average household loses over $110,000* in potential income by not making the optimal Social Security claiming decision?
Receive answers to this questions and more
When should I file for benefits?
Can I get benefits from an ex-spouse?
What if I am self-employed?
Are my children eligible for benefits?
What about dependents with disabilities?
How will my pension impact my benefits?
And more
Social Security Analysis & Consultation
Individual
$195
Who qualifies?
Single
Divorced
Widow
what do you get
Explanation of the Social Security rules, benefits and eligibility
Claiming strategy options including monthly, annual and lifetime benefit amounts for each.
Strategies to avoid reduced benefits.
When & how to file for your benefit options.
During the 45-minute final consultation with your RSSA, we’ll educate you and discuss your benefits, helping you understand your best claiming options.
You’ll receive a customized, hard copy presentation outlining your plan.
Combined
$445
Who qualifies?
Married
Head of Household *
what do you get
You receive all of the features included with the individual Plan, plus: Strategies specific to spousal and survivor benefits.
Understanding benefits for children and family maximums.
Longevity scenarios
Cost of living adjustments.
Possible Pension reduction calculations.
*children are considered eligible if under 18; under 19 and in high school; or disabled prior to age 22.
setara
Call For Quote
Who qualifies?
Business Owner
Self- Employed
what do you get
Business Owner
Self- Employed
Maximize Your Social Security Benefits
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Frequently Asked Question
Where can I find information about the recently passed Senate HR Bill 82 repealing WEP and GPO effective January 1, 2024?
You can find detailed information about the repeal of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) under Senate HR Bill 82, which takes effect on January 1, 2024, by visiting the official legislative summary here. This resource provides the most up-to-date details and implications of the legislation.
Why should I work with an RSSA like you instead of just asking a Social Security representative?
While Social Security representatives can provide factual information about your benefits, they are legally prohibited from offering advice or making recommendations tailored to your unique financial situation. As an RSSA, I am trained to analyze your Social Security options and provide personalized strategies to maximize your benefits. My expertise ensures you make informed decisions that align with your overall retirement goals.
How much do your RSSA services cost?
My services are designed to be affordable and deliver exceptional value for your Social Security planning needs. You can find a detailed list of my services and pricing by clicking here. If you have specific questions about my offerings, please feel free to contact my office.
Do you provide any seminars where I can learn more about Social Security?
Yes, I offer both in-person seminars and virtual webinars to help individuals better understand Social Security and maximize their benefits. These events are tailored to provide practical insights and strategies for your retirement planning. Be sure to check out our Event Page for details on upcoming sessions and registration information.
What is an RSSA® and how can they help with Social Security planning?
An RSSA® (Registered Social Security Analyst®) is trained to evaluate your specific situation and provide customized strategies to help you maximize your Social Security benefits. We go beyond basic information — we show you the smartest claiming strategies based on your goals, health, income, and family situation.
Why should I work with an RSSA like you instead of just asking a Social Security representative?
While Social Security representatives can provide factual information about your benefits, they are legally prohibited from offering advice or personalized recommendations. As an RSSA®, I am trained to analyze your unique situation and guide you toward the filing strategies that are in your best financial interest.
When should I start planning my Social Security strategy?
Ideally, you should begin planning at least 5–10 years before you intend to claim benefits. Early planning gives you more options and can help you avoid costly mistakes. However, even if you're at or near claiming age, it’s never too late to make smarter decisions.
Will you tell me exactly when and how to file for Social Security?
Yes. After analyzing your personal circumstances, I will provide a clear, customized filing recommendation designed to maximize your Social Security benefits.
Can you help if I’ve already started receiving Social Security benefits?
Yes. Even if you’ve already filed, there may still be ways to optimize your benefits — especially if you're navigating spousal, survivor, or disability benefits. Every situation is unique, and reviewing your options could still make a meaningful difference.
Unlock Your Social Security Confidence
Making the right Social Security decisions is one of the most important steps for your future. We created a simple, step-by-step guide to help you avoid costly mistakes and feel confident about your choices.
Get it Right: Medicare & Social Security Unlocked
Inside, you'll also get access to free bonus tools that make planning for Social Security — and Medicare — even easier.
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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