Some things seem to get more confusing the more you try to understand them.

Social Security, with its thousands of convoluted and intertwined rules, is a perfect example and a reason some people should be niche advisors serving specialty clients, according to Joe Elsasser, founder and president of Covisum, a software and consulting firm for the financial services industry.

For instance, most people know their birthdays, but the Social Security Administration may dispute the date, at least for its own purposes. The administration also may say a person gets less money for being born at the end of the year instead of at the beginning. Or it can say some people have to pay more for Medicare than others.

After a recent webinar on the ins and outs of Social Security, Elsasser said advisors who want to help people transition to retirement would do well to learn all they can about the benefits. "As an alternative, the advisor can rely on outside experts or he or she can use good, professional software that has tools built in to compensate for all the quirks," he said. "We get calls from advisors all the time when they run across rules that are complex and challenging and sometimes do not seem to make sense.”

The following are some of the rules that seem to go against logic or even seem to contradict one another, Elsasser said.

10. Coordination With Railroad Retirement Benefits

Most people who follow Social Security changes think the ability to switch strategies was recently eliminated. "Switch strategies" refer to your ability to elect to switch from one benefit, perhaps a limited one, to a bigger one later. But these strategies continue to exist for those in a household that has one member eligible for railroad retirement benefits. The time when switching benefit strategies is allowed is, like everything else about Social Security, complex.