So if you delay claiming your benefits from age 62 to age 70, you'll need to live until just past age 80 in order to break even and make the delay worthwhile. Beyond age 80, it's all gravy. 好像没找到62如果delay到67领，break even age是几岁
So if you delay claiming your benefits from age 62 to age 70, you'll need to live until just past age 80 in order to break even and make the delay worthwhile. Beyond age 80, it's all gravy. 好像没找到62如果delay到67领，break even age是几岁 lululemon888 发表于 2023-12-14 01:26
You can collect spousal benefits and wait until 70 to claim your retirement benefit if both of the following are true: You were born before Jan. 2, 1954. Your spouse is collecting his or her own Social Security retirement benefit.
This makes you eligible to file a “restricted application,” which allows you to collect a spousal benefit while putting off claiming your retirement benefit so it can grow. To do so, you should state in the remarks section of the application form that you wish to exclude your retirement benefit from the scope of your Social Security claim.
Under a law Congress passed in 2015, people born after Jan. 1, 1954, cannot file a restricted application. They are covered by what Social Security calls “deemed filing": When they claim retirement benefits, they are also deemed to be claiming any spousal benefits they are entitled to, except under narrow circumstances.
You can collect spousal benefits and wait until 70 to claim your retirement benefit if both of the following are true: You were born before Jan. 2, 1954. Your spouse is collecting his or her own Social Security retirement benefit.
This makes you eligible to file a “restricted application,” which allows you to collect a spousal benefit while putting off claiming your retirement benefit so it can grow. To do so, you should state in the remarks section of the application form that you wish to exclude your retirement benefit from the scope of your Social Security claim.
Under a law Congress passed in 2015, people born after Jan. 1, 1954, cannot file a restricted application. They are covered by what Social Security calls “deemed filing": When they claim retirement benefits, they are also deemed to be claiming any spousal benefits they are entitled to, except under narrow circumstances. esprit88 发表于 2023-12-14 16:46
查了下，可以的，只要你先拿的时候，配偶还没claim. 他已经claim了就不行。 If your spouse is not receiving any retirement benefits yet, then you could technically take your regular Social Security benefit as early as age 62. When your spouse files for their benefit later you could switch to spousal benefits. That could potentially increase the total amount of benefits you receive as a couple if they’re waiting until age 70 to start taking benefits. What if your spouse is already receiving their Social Security benefits? In that situation, the deemed filing rule applies. That rule dictates that when someone applies for their regular retirement benefit, they’re also approved for spousal benefits if they’re entitled to receive them. So again, you’d get the higher amount of the two.
可是长寿也不是自己说了算的啊，你看周海媚，她也不想那么早走，这事由不得她啊….
美国亚裔女性寿命高这个我真挺疑惑的. 周围已经好多中年女性早逝的, 她们的丈夫都好好的. 而国内我听到的都是男的早逝. 同年龄段, 国内的女性朋友轻松很多, 可健身方面好象这边更好一点.
什么叫不知道干嘛啊！还真有嫌钱多的人？钱拿到手里就是你的，将来不能拿了就不是你的，吃了喝了就是给自己的。
现在外企民企啥的不管大学生不大学生了，可以自己选50还是55。只有公务员，事业，央企啥的才必须55
这每个人都不一样的，你可以去自己账号查啊
上一代的高吧。周海媚她妈不是还活着嘛
要是走的早，一了百了。。。 要是早拿了偏偏长寿，天天后悔为什么要早拿，那日子过得多膈应～～
以后一直70%。
国内女的55就退了，这边62还考虑不退？
这话说的，难道有人为了占这点社保的便宜就选择短寿的吗？还能激励长寿。。。
美国的医疗保险制度是真变态，是不是就给老人卡喉的，拿捏命脉，享受不得
好像没找到62如果delay到67领，break even age是几岁
可能是收入高，工资不高（社保交的少）
不就是80吗。62开始拿0.7 到80和67拿1到80一样。如果寿命更长，后面每年多0的0.3就是多出来的了。所以活不到80早点拿，觉得活的到的，迟点开始拿满额
所以这个世界谁敢说保证自己能活到八十？我想阎王爷也不敢打这个保票！不要与命运打赌。
那就随他去，不care，反正随时可以退休，大不了让单位给lay off说不定还能拿个package。希望到时脑子精力还管用，靠经验的优势能顶上。
请问如何有自己的SS 帐号? 我交了快20年了,还不知道怎么查自己的SS? 谢谢
https://www.ssa.gov/onlineservices/?gclid=EAIaIQobChMI-4HWuoWPgwMVbjHUAR1VgAKuEAAYASAAEgKIY_D_BwE
一直都是70%
那到不一定，首先不一定活得了那么长，然后早拿可以自己投资，也许反而更划算。
如果不缺钱，早拿自己拿去投资定投index fund啊。
貌似先claim 自己的再claim spouse benefit拿配偶一半可以，但不能倒过来操作，这条路已经被堵了。
配偶的一半也不多啊
不算很多，但赚钱更多的配偶SS的124%的一半，应该比赚钱少的SS的70%还是多不少的，差不多一倍吧
好像只有1954年以前出生的才可以，之后出生的就不行了
You can collect spousal benefits and wait until 70 to claim your retirement benefit if both of the following are true: You were born before Jan. 2, 1954. Your spouse is collecting his or her own Social Security retirement benefit.
This makes you eligible to file a “restricted application,” which allows you to collect a spousal benefit while putting off claiming your retirement benefit so it can grow. To do so, you should state in the remarks section of the application form that you wish to exclude your retirement benefit from the scope of your Social Security claim.
Under a law Congress passed in 2015, people born after Jan. 1, 1954, cannot file a restricted application. They are covered by what Social Security calls “deemed filing": When they claim retirement benefits, they are also deemed to be claiming any spousal benefits they are entitled to, except under narrow circumstances.
配偶拿一半也只能拿正常67的金额一半，不让拿70岁金额的一半。
这个是说收入低的70%ssn (62岁拿70%)会比高的那个120%(70s岁那120%）的一半要少才可行吧
查了下，可以的，只要你先拿的时候，配偶还没claim. 他已经claim了就不行。
If your spouse is not receiving any retirement benefits yet, then you could technically take your regular Social Security benefit as early as age 62. When your spouse files for their benefit later you could switch to spousal benefits. That could potentially increase the total amount of benefits you receive as a couple if they’re waiting until age 70 to start taking benefits.
What if your spouse is already receiving their Social Security benefits? In that situation, the deemed filing rule applies. That rule dictates that when someone applies for their regular retirement benefit, they’re also approved for spousal benefits if they’re entitled to receive them. So again, you’d get the higher amount of the two.
你说的好像对的，不让拿124%的一半：（
那配偶67就可以开始拿了，不用等70了，感觉不合算。要不要switch也就不一定了。高收入的50% 不一定比低收入那个的70%高。