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This report shows the Social Security benefit stream you can expect to receive under differing claiming scenarios based on your primary insurance amount (PIA) and certain assumptions for life expectancy and future cost-of-living adjustments. Married couples have several decisions to make. When will one spouse claim a retirement benefit based on his or her earnings record? When will the other spouse claim a retirement benefit based on his or her earnings record? Will either spouse be eligible for spousal benefits? The interplay of earned benefits and spousal benefits makes for some interesting opportunities for married couples—as long as you understand the rules and know which spouse can do what and when. 

Social Security Spousal Planning Report

$79.99Price
  • In order to perform the calculation, we will need your first name, date of birth and primary insurance amount (PIA) and your spouse's first name, date of birth and primary insurance amount (PIA).  We will also need the estimated life expectancy for each individual, see the ages below.

  • Please provide life expectancy.

    Woman much shorter than average 78

    Woman shorter than average 83

    Woman average 87

    Woman longer than average 91

    Woman much longer than average 96

    Man much shorter than average 76

    Man shorter than average 80

    Man average 84

    Man longer than average 88

    Man much longer than average 92

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