Comments Posted to “Social Security: Delay or Take the Money and Run—Act II,” by Robert Muksian, Ph.D., May 2011 AAII Journal
If one spouse has a low primary insurance amount (or has not worked enough to claim Social Security benefits on their own earnings) and is the spouse with the longer life expectancy, it is likely advantageous for that spouse to claim spousal benefits at age 66, since spousal benefits do not accrue delayed retirement credits beyond full retirement age. Meanwhile, the spouse with the high primary insurance amount can delay retirement and accrue delayed retirement benefits in order to maximize the surviving spouse’s eventual benefits. The exact analysis needs to take into account both spouses’ income records, ages, life exp
Milton from New Jersey
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