Huston55
Thinks s/he gets paid by the post
I've done a 180 in my thinking on this.
My spousal benefit will be significantly greater than what I'd get on my own record. Since file & suspend went away for us, my extremely-tentative plan is to start collecting on my record at 62, then switch to my spousal benefit later. Otherwise, I'm just leaving money on the table. It has nothing to do with needing it or break-even points.
I say extremely-tentative, because who knows how the rules might change before then. Again.
Under the new ‘deemed claiming’ rules, won’t claiming @ 62 permanently reduce all of your SS payments, both your own & spousal when claimed? If so, then your calculus would change.