About Tom Margenau

Tom Margenau

Tom Margenau

Tom Margenau worked for 32 years in a variety of positions for the Social Security Administration before retiring in 2005. For many years, he was the director of SSA's public information office at the agency’s headquarters in Baltimore, Md. In that post, he was the chief editor for more than 100 informational publications produced by SSA.

He also was SSA’s deputy press officer for several years, serving in that position as a chief spokesman for the Social Security Administration. Prior to that, he was a speechwriter for the Commissioner of Social Security. Before he moved to SSA's headquarters, he worked for 12 years in Social Security field offices around the country, where he processed Social Security claims while writing Social Security columns for local newspapers.

He has written the “Social Security and You ” column for national syndication since 1997. Margenau graduated from the University of Wisconsin in 1971. He is married and has two grown children and five grandchildren.

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Questions About Delayed Retirement Credits May 16, 2018

All of today's questions involve the payment of what are known as "delayed retirement credits." This is an incentive built into the law that augments the monthly Social Security checks of anyone who delays claiming Social Security benefits beyond the... Read More

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Riding the Social Security Gravy Train May 09, 2018

Before I get to today's question, I must give some background information on the topic at hand — and that is the so-called maximizing strategy that many people mistakenly call "file and suspend." What they usually mean is the strategy called "f... Read More

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Sometimes the Government Giveth and Then Taketh Away May 02, 2018

Q: I am 66 years old, and I get my own small Social Security retirement benefit. Because it is so small, I get some additional spousal benefits off my husband's record. I am still working. I just got a letter from the Social Security Administration t... Read More