<p>Jim and Chris discuss listener emails on Social Security benefits for a family with a disabled adult child, survivor benefits, ERISA vs. non-ERISA 403(b) protections, a listener PSA on Monte Carlo simulations, special needs trusts, and how a revocable living trust handles a primary home transfer.</p> <p>(5:00) A listener asks whether her husband&#8217;s early Social Security filing while still working would suspend her child-in-care benefits, and whether his benefit would be recalculated to his Full Retirement Age amount once the earnings limit no longer applies.</p> <p>(20:20) George wonders whether survivor benefits for his wife would be based on his age-70 amount or her Full Retirement Age amount.</p> <p>(25:15) Jim and Chris take a question about the differences between ERISA and non-ERISA 403(b) protections, and whether state IRA protections offer comparable coverage.</p> <p>(39:45) The guys share a listener PSA pointing them to a recent Retirement Answer Man episode on Monte Carlo simulations.</p> <p>(44:00) Georgette enquires which assets belong in a special needs trust and how to structure it tax-efficiently.</p> <p>(54:45) A listener asks how a primary home transfers to children through a revocable living trust and what the selling process looks like.</p> <p>The post <a href="https://www.theretirementandirashow.com/podcast/social-security-erisa-trusts-qa-2616/">Social Security, ERISA, Trusts: Q&#038;A #2616</a> appeared first on <a href="https://www.theretirementandirashow.com">The Retirement and IRA Show</a>.</p>