In this episode, and Katelyn discuss upcoming Social Security updates for 2026 and how federal employees can think strategically about when to claim benefits.
Check Out Our Next FERS Webinar for Federal Employees -
The Fed15 Podcast | Ep. 141: Social Security Changes in 2026 + When Federal Employees Should Claim Benefits
Katelyn breaks down several Social Security changes for 2026, including the projected COLA, the earnings test, taxation of benefits, and how claiming decisions interact with FERS pensions and TSP withdrawals. She also highlights why federal employees should consider survivor benefits, spousal benefits, and potential long-term funding concerns when planning their retirement income strategy.
Dan explores one of the biggest retirement decisions federal employees face: when to claim Social Security. He explains how benefits change when claiming at 62, full retirement age, or delaying until 70, and how health, longevity, work status, and spousal considerations can influence the decision. He also discusses coordinating Social Security with FERS pensions, TSP withdrawals, taxes, and Medicare costs to help retirees evaluate what claiming strategy may best fit their situation.
Like and Subscribe on YouTube at YouTube.com/FedLife
“Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Lee, Sipe & Associates, Inc. is not a registered broker/dealer and is independent of Raymond James. Content represents the opinions of the speaker and not necessarily those of Raymond James. Important Disclosure Information: http://raymondjames.com/smicd.htm.
