Cut-Throat
Thinks s/he gets paid by the post
As others have pointed out, SS is apparently calculated based on a single person, and is gender-neutral. When you add in a spouse, and different salary histories, AND differences in ages, it results in an almost "anything but" neutral. Granted, the numbers may not result in much differences, but if there are significant age and/or salary record differences, it can result in a sizable difference that is worth crunching the numbers to compare.
Exactly! .... And why bother creating your own spreadsheet or trying to guess, when there is a very simple 1 page form you can fill out and immediate advice at this link..... SS Analyze.