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URL:  http://boards.fool.com/individuals-born-between-1943-and-1954-should-30344325.aspx

Subject:  Re: Next up, the Social Security decision Date:  10/27/2012  9:13 AM
Author:  alstroemeria Number:  45985 of 59850

Individuals born between 1943 and 1954 should never claim benefits between the ages of 62 and one month through 63 and 11 months, nor should they claim benefits between 65 and five months through 67 and seven months.

Huh? I thought one's as-yet-unclaimed SS benefit goes up a steady 0.00666... a month (like he sez, 2/3 percent per month before full retirement age), which is 8%/year. What does he mean? And why apply this rule only to individuals, not couples? Because he assumes the older-and-of-course(!)-higher-earning spouse will do the apply and suspend plan?

I'd love to hear from more folks about when they started SS, and why.
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