Hello Larry,
I wanted to run my situation by you and see what your initial impression is.
Bill - Age 65 (9/'51) PIA $1735 retired 12/2014 - not yet filed for SS.
Pam - Age 63 (9/'53) PIA $1352 - retired 12/2013 - not yet filed for SS.
We both have moderate pensions with survivorship rights that have cola's built in totaling $3500/mo. We have been living off these plus just a small dip into savings over the last few years. We own our home F&C, and have other modest investments. I am in good health.. but my parents both passed on early (age 66). Pam's parents lived longer, but she is not in that good overall health.
From what we can see, we feel the best scenario is to have Pam file in Sept for her benefit - age 64 - approx 86.6% of her PIA benefit, and me at that time to file and restrict my application to spousal benefits on her record. We would receive approx $1850/mo and then in 4 yrs, when I'm 70... I'd go ahead and file for my own benefits on the order of $2290. This seems like a prudent thing to do as it maximizes Pam's benefit should I die before her. Both benefits together total $3460.

Thanks for offering this service.. its appreciated and I've learned alot from reading these questions, and your answers over the last few months.

Am I missing anything here?
Bill in Oregon

Hi Bill,

I certainly wouldn't argue with that strategy, but you may still want to fully explore all of your options using the maximization software on this website.

Best, Jerry