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Okay, I have clarification from the not-so-helpful phone people. If he passed away before age 65, I would get half of his benefit amount under a 50% j/s monthly benefit. So I would get $305 a month beginning at what would have been his 60th birthday. I think this is an important consideration in deciding what to do.

No cost of living increases.

That's an interesting question about whether it's today's dollars or tomorrow's dollars. I am under the impression it is tomorrow's dollars, and the monthly payment number is the number it will be at age 65.

Noodling...back later.
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