Terry Savage

Laurence J. Kotlikoff

Learn how to make sure you get the correct Social Security benefits, avoid frightening clawbacks, and how to deal with the opaque bureaucracy of Social Security.

Social Security admits it has made $21.6 billion in incorrect benefits payments! Now it wants its money back—from widows, orphans, retired schoolteachers, and even young children whose parents received disability benefits on their behalf.

Often with no explanation, they send threatening letters clawing back amounts ranging from several thousand dollars to more than $100,000. The clawback notices all carry the threat that benefits will be stopped immediately if a repayment plan is not set.

But it's almost impossible to get an explanation, the records, or an appointment for a resolution of these clawback demands. It could happen to you—or to someone you love.

We wrote this book to help you and let you know you're not alone. We are also working to pressure Congress and the Treasury Secretary to prevent these intimidating clawback interactions that impact our most vulnerable citizens.

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