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Incredible that an article about SSI claiming strategies for couples includes neither the phrase "breakeven point" nor "joint life expectancy."

Sure, claiming at 70 for both works great if *both* spouses live into their late 80s or 90s, but that's not what the odds are.
My wife is 2 years older than I am, 60 & 62. The odds that we *both* are alive at 82/84 are only 31%, according to SSA's 2019 Period Life table.
However, the odds that *one* of us reaches 90 are about 50%.

To quote Michael Kitces-
<<More generally, the key distinction to recognize is that when couples have substantively different benefits and are considering the breakeven periods, delaying the higher earner’s benefit will win as long as EITHER person is alive at the breakeven, but delaying the lower earner’s benefit will only win if BOTH of them are alive at the breakeven point.>>
https://www.kitces.com/blog/why-it-rarely-pays-for-both-spou...

If the couple is Jack Lalanne & his wife, having both delay until 70 makes sense. Average Americans probably ought to hedge their bets.
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