<p data-start="258" data-end="385">Jim and Chris discuss listener emails on whether Social Security should be compared to an annuity, Rule of 55 distribution rules, using period-certain annuities during the delay period, QLAC timing and taxes, and using a SPIA for Minimum Dignity Floor<img src="https://s.w.org/images/core/emoji/17.0.2/72x72/2122.png" alt="™" class="wp-smiley" style="height: 1em; max-height: 1em;" /> coverage.</p> <p data-start="387" data-end="519">(5:20) The guys address a listener’s objection to describing Social Security as an annuity and whether that comparison is accurate.</p> <p data-start="670" data-end="828">(32:00) A listener seeks clarification on Rule of 55 distributions after receiving conflicting information about whether plan-specific rules matter.</p> <p data-start="670" data-end="828">(38:45) Georgette asks whether a 10-year period before her mortgage is paid off can be treated like a delay period and covered with a period-certain annuity.</p> <p data-start="830" data-end="995">(51:30) Jim and Chris answer a question about whether QLACs can be purchased for a spouse from an IRA, how QLAC timing can be structured, and how payments are taxed.</p> <p data-start="997" data-end="1168">(<span data-olk-copy-source="MessageBody">1:13:45</span>) George wonders whether relying on excess RMDs or purchasing a qualified second-and-survivor SPIA from IRA funds is a better way to support long-term MDF coverage.</p> <p>The post <a href="https://www.theretirementandirashow.com/podcast/social-security-rule-of-55-qlac-timing-spias-qa-2623/">Social Security, Rule of 55, QLAC Timing, SPIAs: Q&#038;A #2623</a> appeared first on <a href="https://www.theretirementandirashow.com">The Retirement and IRA Show</a>.</p>