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Larry Kotlikoff’s Social Security original 34 “secrets”, his additional secrets, his Social Security “mistakes” and his Social Security gotchas have prompted so many of you to write in that we now feature “Ask Larry” every Monday.

We are determined to continue it until the queries stop or we run through the particular problems of all 78 million Baby Boomers, whichever comes first.

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Richard — Stoneham, Mass.: I was recently informed by Social Security that my wife could not receive half my Social Security because she worked a state job for 24 years and therefore does not qualify because of the windfall act.

Larry Kotlikoff: Yes, the Government Pension Offset provision will reduce, if not wipe out, the spousal and survivor benefits that would otherwise be available to your wife.

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Kotlikoff’s state-of-the-art retirement software is available here, for free, in its “basic” version Jim T.— Carlsbad, Calif: I am unmarried but wish to leave my Social Security benefits to my partner.

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