lactation. 1. the secretion of milk by the breasts; it is thought to be brought about by action of progesterone and estrogen and specific pituitary hormones, such as lactogenic hormone (prolactin).
(If you receive SSI, those benefits cannot be garnished under any circumstance.) How much can actually be garnished depends on what you owe for. If you owe back taxes to the IRS, 15 percent of your Social Security benefits can be taken each month until the debt is paid in full. The government uses the Federal Payment Levy Program to garnish your payments. If you owe money on a student loan -- it doesn't matter how long ago you were in school -- the first $750 of your monthly benefits is off-limits to garnishment. After that, the government can shave off up to 15 percent.
Rolling over money from a traditional IRA or 401(k) to a Roth years before you start receiving Social Security benefits is a good way to avoid taxes later in retirement. You'll have to pay income taxes in the year of the conversion, but you can tap the account tax-free after that. Be careful with income investments.