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Our Team
All Services
Social Security Optimization
Your claiming strategy is a permanent decision. We perform a deep-dive analysis of your earnings record to identify the precise month to file, maximizing your lifetime benefit. We compare hundreds of filing scenarios, factoring in cost-of-living adjustments, tax implications, and survivor protection to ensure you receive every dollar you are entitled to.
IRMAA Appeals & Planning
High-income surcharges (IRMAA) can significantly inflate your Medicare premiums. We specialize in identifying 'Life Changing Events'—like retirement or loss of income—that qualify you to formally appeal to the SSA. We handle the complex Form SSA-44 filing process to reverse or lower your surcharges, saving you thousands in unnecessary Medicare costs.
Spousal Benefits
Many couples fail to coordinate their benefits, leaving money on the table. A spouse may qualify for up to 50% of the primary worker’s full retirement age benefit. We analyze both earnings records to determine if filing as a spouse, or waiting to file on your own record, provides the highest combined household income throughout your retirement years.
Ex-Spousal Benefits
If your marriage lasted 10+ years and you are currently unmarried, you may qualify on a former spouse's record. This is a private matter—the SSA does not notify your ex-spouse, and claiming on their record does not reduce their benefit. We audit your eligibility to see if this path offers a higher monthly payment than your own earnings record would provide.
Widower and Survivor Benefits
Navigating benefits after a loss is difficult. Surviving spouses may qualify for benefits as early as age 60, or age 50 if disabled. We help you compare the value of your own retirement benefit against the survivor benefit, ensuring you optimize the timing to receive up to 100% of your deceased spouse's full retirement amount.
Overpayment Resolution
An SSA overpayment notice can be alarming, but you have rights. Whether it's an error in calculation or an oversight, we help you understand the 'Why' behind the notice. We guide you through the process of requesting a reconsideration, negotiating manageable repayment terms, or filing for a waiver if you were not at fault for the overpayment.
Family Maximum Benefits
The SSA limits the total monthly amount payable to a family on a single worker's record. This 'Family Maximum' can be confusing when multiple family members are filing. We help you navigate these limits so you can forecast your household income with absolute certainty and ensure that all eligible family members receive their correct portions.
Claiming Dates & Strategy
Filing age is the single most significant factor in your lifetime benefit amount. We review your specific earnings history to coordinate your filing age with your spousal and Medicare timing. Our strategy sessions look beyond the basics to ensure your retirement income plan is built to last, providing you with a clear roadmap for financial independence.
Why Choose First American
Entitlement Services?
Navigating Social Security options can be overwhelming. We provide unbiased, independent guidance and personalize strategies to ensure you get the exact benefits you deserve without overpaying. Let's build your customized plan together.
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FREE 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.
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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.
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Certified Expertise
Our team of RSSA experts provide trusted guidance, personalized strategies, and support to help you achieve long-term financial success.
Navigating Your Benefits Shouldn't Be a Challenge.
The rules around Social Security are constantly changing. With the right strategy, you can avoid costly penalties, hidden tax traps, and income gaps. We help you turn confusion into absolute confidence.
Secure Your Future with a Personalized Benefits Strategy.
Book your FREE consultation Now
Contact
306 W. Redwood Street
Suite 4290
Baltimore, MD 21201
5000 Victoria Park Drive
Suite 5208
Davenport, FL 33896
Opening hours
Mon - Thu : 9AM - 6PM
Friday: 9AM - 12PM
Sat - Sun: Closed
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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.
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