Social Security, ERISA, Trusts: Q&A #2616

Jim and Chris discuss listener emails on Social Security benefits for a family with a disabled adult child, survivor benefits, ERISA vs. non-ERISA 403(b) protections, a listener PSA on Monte Carlo simulations, special needs trusts, and how a revocable living trust handles a primary home transfer. (5:00) A listener asks whether her husband’s early Social Security filing while still working would suspend her child-in-care benefits, and whether his benefit would be recalculated to his Full Retirement Age amount once the earnings limit no longer applies. (20:20) George wonders whether survivor benefits for his wife would be based on his age-70 amount or her Full Retirement Age amount. (25:15) Jim and Chris take a question about the differences between ERISA and non-ERISA 403(b) protections, and whether state IRA protections offer comparable coverage. (39:45) The guys share a listener PSA pointing them to a recent Retirement Answer Man episode on Monte Carlo simulations. (44:00) Georgette enquires which assets belong in a special needs trust and how to structure it tax-efficiently. (54:45) A listener asks how a primary home transfers to children through a revocable living trust and what the selling process looks like. The post Social Security, ERISA, Trusts: Q&A appeared first on The Retirement and IRA Show .

You can listen to Social Security, ERISA, Trusts: Q&A #2616 online on Radio and Podcast. Open the player on this page to stream the available audio.

Social Security, ERISA, Trusts: Q&A #2616 is an episode from The Retirement and IRA Show by Jim Saulnier, CFP® & Chris Stein, CFP®.

This episode is 1:07:15 long.

This episode was published on Apr 18, 2026.

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