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I'm guessing this will confuse you further because I'm not sure about it either. I found it on this thread:

Social Security Claiming Tricks to Maximize Payout:

Social Security a Catalyst for Money in Motion:

When I get a chance, I'm going to run some scenarios to see if it's accurate.

To illustrate the complexity of social security, Meyer warned advisors of so-called “rat holes,” or periods of time during which people should never claim benefits. 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.
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