<p>Jim and Chris discuss listener emails on Social Security spousal eligibility and claiming coordination, a listener PSA on Social Security proof of marriage requirements, RMD planning while still working, money market earnings in brokerage accounts, and using QLACs for long-term care planning.<br data-start="462" data-end="465" />(16:15) Georgette asks whether the repeal of WEP and GPO affects her eligibility for a spousal benefit if her ex-husband worked for the federal government and she did not pay into Social Security.<br /> (26:45) A listener asks how Social Security works when one spouse lacks enough work credits for their own benefit and only qualifies for a spousal benefit, including whether both spouses must claim at full retirement age to access that benefit.<br data-start="1062" data-end="1065" />(42:00) The guys address a PSA on why Social Security may already have proof of marriage on file for one spouse due to a name change but still requires documentation from the other spouse when benefits are claimed.<br data-start="1278" data-end="1281" data-is-only-node="" />(49:30) Jim and Chris discuss whether maximizing pre-tax retirement contributions and rolling a SEP IRA into a 403(b) can reduce or eliminate RMDs under the still-working exception.<br data-start="1462" data-end="1465" />(1:06:45) A listener questions the statement that Money Market earnings are minimal, pointing to current yields in a fund they hold.<br data-start="1642" data-end="1645" />(1:12:00) The guys respond to feedback on whether a QLAC could be an effective way to address long-term care planning when self-funding alone does not feel sufficient.</p> <p>The post <a href="https://www.theretirementandirashow.com/podcast/social-security-rmds-money-market-earnings-qlacs-qa-2551/">Social Security, RMDs, Money Market Earnings, QLACs: Q&#038;A #2551</a> appeared first on <a href="https://www.theretirementandirashow.com">The Retirement and IRA Show</a>.</p>