DW and I are 9.5 years different in age. Both of us have good Social Security (SS) benefits in the future assuming minimal changes to SS. I also have a pension that will be 100% survivor for her. Older, DW, has $5k more per year in (near max) SS benefits available in about 5 years (FRA). Any suggestions on file/suspend, spousal benefits, etc. that would optimize the SS benefits collected. We can fund or makeup the funds need for the various options but none seem financially beneficial (like a file/suspend for a couple with close ages and wide income differences).
Due to age difference and close to equal amounts on benefits I can't see a beneficial strategy besides waiting until FRA or 70 for each of us.
Any insight would be appreciated as I can't find anything that covers this situation due to age difference and near equal benefits.
Due to age difference and close to equal amounts on benefits I can't see a beneficial strategy besides waiting until FRA or 70 for each of us.
Any insight would be appreciated as I can't find anything that covers this situation due to age difference and near equal benefits.