Your Social Security Benefits and Appeals Specialist
Stop Leaving Social Security Benefits on the Table. Get expert Unbiased Guidance for Social Security and any possible Medicare IRMAA Surcharges.
Over 300 5-Star Reviews!
Michael Nelson
Founder, RSSA, IRMAA-CP
Get the Social Security Benefits You Deserve.
The average household loses over $110,000 in potential income by making the wrong Social Security claiming decisions. I can help you get the money you earned and are entitled to.
Allow First American to Protect what takes most Americans
35 Years to earn.
Take the guesswork out of your retirement and health care planning. We provide expert, data-driven strategies to help you maximize your Social Security benefits and find the perfect private health or Medicare coverage. Start your journey to peace of mind today.
First American Proudly Performs
Social Security Optimization Review
Review filing options using SSA rules, timing considerations, and benefit coordination. We help clients understand key questions to ask before filing and compare scenarios for retirement, spousal, survivor, and Medicare-related decisions.
IRMAA Review
SSA says you can ask to lower IRMAA if a life-changing event reduced household income. Events can include marriage, divorce, death of a spouse, loss of income, or an employer settlement payment. We help review whether SSA-44 and supporting documents may be appropriate.
Spousal Benefits
A spouse may qualify for spousal benefits starting at age 62. SSA says spousal benefits can be up to 50% of the worker's full retirement age benefit. Filing before full retirement age can reduce the amount.
Ex-Spousal Benefits
An ex-spouse may qualify on a former spouse's record if the marriage lasted at least 10 years. In many cases, you must be age 62 or older and not currently married. Benefits paid on an ex-spouse's record do not reduce that ex-spouse's own benefit.
Widower and Survivor Benefits
A surviving spouse or surviving divorced spouse may qualify for survivor benefits. SSA says eligibility can begin at age 60, or age 50 if disabled, and payments can increase the longer you wait. At survivor full retirement age, benefits can be up to 100% of the deceased worker's amount.
Overpayments
An SSA overpayment means you received more than you should have been paid. The notice explains why it happened and the amount due. Depending on the situation, you may be able to request reconsideration, repayment terms, or a waiver.
Family Maximum Benefits
SSA places a limit on the total monthly amount payable to a family on one worker's record. In many cases, the combined family benefit is about 150% to 180% of the worker's full retirement benefit. Divorced spouse benefits generally do not reduce benefits payable to you or other family members.
Claiming Dates and Strategies
When you file can significantly affect your monthly benefit. We review filing age, spousal coordination, survivor options, and Medicare timing. If you are eligible for both retirement and spousal benefits, SSA generally pays the higher combined amount under its filing rules.
For educational use and quick reference. Individual eligibility and benefit amounts depend on SSA rules and personal circumstances.
Why Choose First American Entitlement Services?
Navigating Social Security and healthcare options can be overwhelming. We provide unbiased, independent guidance and personalized strategies to ensure you get the exact benefits you deserve without overpaying. Let’s build your customized plan together.
01.
Free Initial Assessment
Every situation is unique. We offer a completely free, no-obligation initial consultation to review your numbers and outline your best options—with absolutely no hidden fees.
02.
Advanced Benefit Analysis
Gain absolute clarity on your future. We use proprietary RSSA software to analyze your earnings history and pinpoint the exact claiming strategy that maximizes your lifetime Social Security income.
03.
Certified Expertise
Our expert financial planners provide trusted guidance, personalized strategies, and support to help you achieve long-term financial success.
First American Proudly PARTNERS with the following Professionals
Life and Health
Professionals
Medicare
Brokers
Certified
Public Accountants
Elder Care
Attorneys
Divorce
Attorneys
Funeral Homes and Parlors
Financial
Planners
P & C
Agents
Navigating Your Benefits Shouldn't Be a Challenge.
The rules around Medicare and Social Security are constantly changing. With the right strategy, you can avoid costly penalties, hidden tax traps, and coverage gaps. We help you turn confusion into absolute confidence.
Expert Guidance Every Step of the Way
We are dedicated to helping you achieve clarity and peace of mind. With smart, data-driven strategies and personalized solutions, we ensure you have the exact health coverage and retirement benefits you need. Let’s secure your future together.
Expert guidance and personalized strategies for your health care and retirement benefits.
Opening hours
Mon - Thu : 9AM - 6PM
Friday: 9AM - 12PM
Sat - Sun: Closed
24/7 Toll Free AI Support
Disclaimer
First American Entitlement Services is an independent, privately owned organization. We are not a government agency and are not affiliated, associated, authorized, or endorsed by the United States government, the Social Security Administration (SSA), or the Centers for Medicare & Medicaid Services (CMS). All services provided by First American are strictly those of a private entity.
© First American Entitlement Services . 2026. All Rights Reserved.