Maximizing Social Security Benefits: A Smart Strategy for Married Couples

Wednesday, 20 March 2024, 09:04

Learn about a powerful Social Security strategy tailored for married couples that can significantly boost retirement income. By delaying the higher earner's benefits until age 70 and claiming the lower earner's benefits at full retirement age, couples can secure a larger monthly benefit and enhanced financial stability. While this strategy may not be suitable for all couples, it presents a compelling opportunity for those with a moderate income disparity and similar ages.
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Maximizing Social Security Benefits: A Smart Strategy for Married Couples

Maximizing Social Security Benefits

Learn about a powerful Social Security strategy tailored for married couples that can significantly boost retirement income.

Delayed Filing for Higher Earner

  • Benefit Boost: Delaying benefits for the higher earner until age 70 can result in a significant monthly income increase.
  • Survivors' Benefits: The lower earner can receive 100% of the higher earner's benefit post their passing.

While this approach may not suit all couples, it presents an attractive option for those with similar ages and income disparities.


This article was prepared using information from open sources in accordance with the principles of Ethical Policy. The editorial team is not responsible for absolute accuracy, as it relies on data from the sources referenced.


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