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Advisor Education
Social Security case study: Higher/lower earner couple
One spouse has had significantly higher earnings than the other.
Meet Ted and Rachel, a married couple currently in their 60s with average life expectancies. Ted has a higher primary insurance amount (PIA) than Rachel.
When should they start collecting Social Security benefits?
In this scenario, the age at which the higher earner begins collecting benefits is usually the key decision. In most cases, if the higher earner waits to begin collecting until age 70, the couple’s combined lifetime earnings will be highest.
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This material, along with any views and opinions within, are presented for informational and educational purposes only as of the date of production/writing and may change without notice at any time based on numerous factors, such as market, economic, or other conditions, legal and regulatory developments, additional risks and uncertainties, and may not come to pass. There is no promise, representation, or warranty (express or implied) as to the past, future, or current accuracy, reliability or completeness of, nor liability for, decisions based on such information, and it should not be relied on as such. This material should not be regarded by the recipients as a substitute for the exercise of their own judgment.
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