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[quote=Anonymous][quote=Anonymous][quote=Anonymous]If DH dies before me,[b] because our SS checks will be about the same, I won't collect any of his, and vice versa. So we decided we should both collect starting at 62 as long as possible.[/b] I think the decision is different if your spouse is counting on the higher survivor benefit.[/quote]

I am sorry but can you explain your logic behind that? I am not understanding how your situation is driving your decision. [/quote]

Neither my spouse's or my benefit will continue when we die unlike couples with different benefit levels. For example, my mom had a tiny SS check since she was an immigrant, so it was important to get my dad's as high as possible (he was older) since that would be all she would live off of when he died. (We assumed he would die first, and he did). But for me, why would we forgo 2 equal SS checks for 8 years when our own benefit will end upon death, not continue until the death of spouse like in the case of my parents. So the length of time receiving the payment is most likely shorter since neither of us will get the other's survivor benefits. I am sure there is an actuarial term for this, but I am not knowledgable.[/quote]

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