PSAs, Spousal Benefits, Annuity Use Cases, and FIAs: Q&A #2526
PSAs, Spousal Benefits, Annuity Use Cases, and FIAs: Q&A #2526  
Podcast: The Retirement and IRA Show
Published On: Sat Jun 28 2025
Description: Jim and Chris shares listener PSAs on IRMAA and Delayed Retirement Credits, and answer questions on Social Security Spousal Benefits, annuity use cases, and fixed indexed annuity payout concerns. (13:00) A listener shares a PSA about a positive Medicare and IRMAA reduction experience at a Central Florida SSA office. (19:00) Georgette follows up with a PSA confirming her husband received all delayed retirement credits despite a February 1 birthday.(26:45) George asks whether his wife will be automatically moved to a spousal Social Security benefit when he files, or if she needs to apply separately.(37:45) Jim and Chris provide clarification on what problems different types of annuities are designed to solve and when each might be used.(1:03:45) The guys address a listener’s concerns about a specific fixed indexed annuity, asking whether a MYGA or money market alternative would offer better long-term value. The post PSAs, Spousal Benefits, Annuity Use Cases, and FIAs: Q&A #2526 appeared first on The Retirement and IRA Show.