$300,000. That is how much the wrong decision can cost your family. Coordinate optimal timing for you and your spouse with 62or70.com.
For married couples, Social Security isn't two separate decisions — it's one household strategy. Spousal benefits, survivor benefits, and the interplay of two claiming ages create a matrix of outcomes that most people never explore.
In many cases, having the higher earner delay to 70 while the lower earner claims early provides the best of both worlds: income now plus a maximized survivor benefit later. But this isn't always true — it depends on your ages, benefit amounts, and health outlook.
Interactive Model — Adjust the controls to see the impact
Cumulative Payout
Yearly Payout: Both @ 70
Couples who coordinate claiming ages can capture significantly more lifetime benefits than those who decide independently.
The higher earner's claiming age directly determines the survivor benefit — often the most important factor for the surviving spouse's financial security.
Age gaps, earnings differences, and health all affect the optimal strategy. There is no universal "right answer" — you need to model your specific situation.
This demo uses a fictional couple. Your situation is unique — enter your real details to get a personalized claiming strategy.