Case Studies


Here you will find the stories of several women who represent different personas.

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Divorced

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Widowed

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Currently Married

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Here you will find the stories of several women who represent different personas.

Through these case studies, you may find that one of them sounds similar to your situation.

In each case, they will either be divorced, widowed or currently married and they will have had a different work history that reflects in either a lower or higher full retirement age (FRA) benefit amount (PIA).  Please keep in mind that there are a multitude of ways that individuals and couples can claim Social Security benefits and depending on variables such as disabilities, dependent children or parents, or having a government pension, the claiming options may be different.  Each individual's situation is unique and must be analyzed on its own merit. These case studies represent just a three scenarios, divorced, widowed and currently married.

What is the main take away? To illustrate that depending on when and how you file for Social Security,  there can be vastly dramatic differences in the outcomes of the monthly total, the annual total, the survivor amount and the lifetime total of the estimated benefits.  Running an analysis can help you compare different options available to you and help you avoid leaving money on the table.

The numbers are estimates and you will not know the exact amount of your own benefit until you apply.  But by showing the different claiming analyses, you can see the effects on your income.   

Generally, the later you can wait to file, even if just one year, the higher your annual benefit will be, and if you live a long life, your lifetime benefit will also be increased.  Utilizing a smart strategy can maximize that.  Only in certain circumstances would we typically recommend filing before your full retirement age.

You are invited to a free 15 minute consultation to see how we can help you better understand your own claiming options.