OR, we could both delay SS longer, but I'm a bit uncomfotable with that on several levels...the possibility of Congress changing the SS benefit formula for anyone who hasn't staring collecting yet, not just those under 55...depleting savings more rapidly when we don't have LTCI (and doubt we could qualify for it now, with DH's micro-strokes--but that's the subject of another question!), or make ourselves too poor to afford a CCRC should that look sensible down the road.I really don't think you need to worry about this. It would be political suicide for them to make changes for those close to collecting. In any case, if they ever talk about doing so, you can apply for benefits before any changes can become effective.
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