ivinsfan
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Feb 19, 2007
- Messages
- 9,962
SS is only neutral if you die on the crossover date. Otherwise if you die sooner then one should have filed early. If one dies later than the crossover date, one should have waited. Generally speaking, if one is not in good health or does not have longevity genes or lastly, if one needs the SS to survive, then claiming earlier makes sense.
Have you invented some magic machine that tells people when they are going to die? You know even healthy people with longevity can get hit by a bus. The reductions that are made for age correspond to average longevity and that is the only "penalty" for taking early SS. If you want to make a guess about your lifespan that's up to you.