Social Security has a policy of calling people close to 70 and making them an “offer” to start their benefits retroactively. Doing so saves Social Security money but hurts the recipients, who lose thousands of dollars of life time benefits. The bribe comes packaged with suggestions that if they die they won’t get their checks, so why not grab six months of benefits for sure.
![Kotlikoff: How Social Security is Conning Seniors](https://www.goodmaninstitute.org/wp-content/uploads/2020/04/GoodmanInstitute-SocialSecurity-960x0-1.jpg)