Do you have a Social Security benefits strategy? Many Americans think Social Security is simple and straightforward. Often, it is not. Just recently, the bipartisan budget act made some significant changes to Social Security laws about claiming retirement and spousal benefits. Making a mistake when selecting your benefit option can cost thousands or tens of thousands of dollars over the course of retirement. Consequently, it's a good idea to talk with experts in the field, gather the information you need, and make informed benefits decisions.