General Discussion

dkf

(37,305 posts)

9. This is not for everyone...you should consider life expectancy.

Sun Dec 23, 2012, 05:32 PM

Dec 2012

Longer life expectancy...try to delay if possible as break even age is 82 Iirc. So if you have a family history of longevity you will gain by waiting.

This is also key for spousal benefits. If the person passes, their spouse is entitled to their full benefit so they could be compromising their future benefit.

And yes, this can be relevant even if you eventually get divorced as long as you have been married over 10 years.

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A gift for DUers and others, who may not know. [View all] elleng Dec 2012 OP

Thank you, my dear elleng! CaliforniaPeggy Dec 2012 #1

I am a little confused. DURHAM D Dec 2012 #2

Sending from age 62, first eligibility, and he's 68. elleng Dec 2012 #3

Won't you end up paying a lot of taxes? DURHAM D Dec 2012 #4

We're separated, file 'separately,' and I don't think elleng Dec 2012 #8

His choice about lower monthly amounts could have an impact on you. DURHAM D Dec 2012 #10

We're separated, not divorced, elleng Dec 2012 #11

I assume that is because over your lifetime DURHAM D Dec 2012 #12

I did, during most of our years together; elleng Dec 2012 #13

if they send him a check for what he would have got if he'd signed up at 62, his monthly payments HiPointDem Dec 2012 #5

I just edited my post to ask the same thing. DURHAM D Dec 2012 #6

Its his decision, we're separated, elleng Dec 2012 #7

This is not for everyone...you should consider life expectancy. dkf Dec 2012 #9