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In your earlier post you said-
"I was treated for bilateral breast cancer at age 62, in 2015. My mother died of cancer at age 72 so I feel like I have a sell-by stamp on my butt. However, I have a cousin who has survived breast cancer for over 20 years after treatment so it's hard to say for sure."

You're already 6 years post-cancer. Your mother's fate isn't linked to yours. My grandfather died at 68 of a heart attack, but my Dad just turned 96 & is doing pretty well.

Just for fun, plug your data into a life expectancy calculator- you might be surprised by the number. https://www.blueprintincome.com/tools/life-expectancy-calcul... Obviously, just a guestimate, but it might help you realize that you aren't destined to check out at 72.

Have you tried running the numbers on just you taking a one year suspension of SSI? You'd sacrifice a year of SSI income in exchange for an 8% bigger check.
Not earth-shattering, but a middle way between doing nothing & both of you halting SSI for a total of three years.
I'd imagine the breakeven point would move to the left (earlier) in a big way.
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