Yes. The Social Security Fairness Act, signed into law in January 2025, eliminated the Windfall Elimination Provision and the Government Pension Offset for non-covered public-sector pensions. The bot's grounding content reflects the new rules, including the retroactive benefit recalculation that SSA is processing for previously-reduced retirees. Update the bot's grounding content when SSA publishes implementation guidance, and every conversation reflects the current state.

Yes. The spousal benefit caps at 50% of the higher earner's PIA at full retirement age, not the higher earner's actual claim amount. So if the higher earner delays to 70 and gets 132% of PIA, the spouse still only gets 50% of PIA. The bot explains this routinely because it counterintuitively means the higher earner's delay strategy doesn't lift the spousal benefit - only the survivor benefit. That changes the math for some couples.

Yes. The 2025 earnings test withholds $1 of benefit for every $2 earned over $23,400 for prospects who file before FRA and keep working. In the year of FRA the threshold rises to $62,160 and the withholding is $1 per $3 over. Withheld benefits aren't lost forever - they're recouped after FRA through a recalculation - but the cash-flow timing matters. The bot covers the framework and captures earnings expectations.

Yes, at the framing level. IRMAA uses a two-year lookback for Modified Adjusted Gross Income, so income in the prospect's 63rd or 64th year drives the Medicare premium two years later. Roth conversions, capital gains realisations, and pension lump sums in those years can push the retiree across a bracket cliff. The bot flags the lookback and routes the income-bracket management conversation to the CFP.

Yes. Divorced spouses can claim on an ex-spouse's record if the marriage lasted 10+ years, both are 62+, and the claimant hasn't remarried. The benefit doesn't reduce the ex-spouse's amount. The bot covers the framework, captures the marital history, and surfaces the conversation routinely because many prospects assume divorce eliminates the option entirely.

Yes. A single, never-married prospect with one job history is a simpler claiming analysis than a twice-married, public-sector-pensioned prospect with a non-working current spouse. The bot captures the complexity factors and routes to the right CFP at your firm - a generalist for simple claims, a public-pension specialist for WEP/GPO repeal cases, a high-income specialist for IRMAA-driven income planning.

Restricted application - filing for spousal-only first and switching to your own delayed benefit at 70 - was eliminated for everyone born after January 1, 1954 under the Bipartisan Budget Act of 2015. The bot reflects that and won't suggest a strategy that's been closed for a decade. The exception cohort is small and getting smaller every year, but the bot recognises the rare prospect who still qualifies and routes them to the specialist.

The bot captures birth year, FRA, estimated benefit at FRA, marital status, spouse's earnings, public-sector pension status, and earnings expectations as structured fields. A webhook pushes those fields into the CRM and your claiming-analysis software (Maximize My Social Security, Income Strategy, or a similar tool) so the CFP opens the meeting on a pre-run analysis rather than building it during the call.