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So I plan to defer taking SS until age 70, so that she gets the benefit of a much higher payment.

That's an interesting point. I may have to see the intricacies of the rules. Can I delay to 70, while my wife takes it at 65, and then whenever I die she can take over the higher payment (I'm pretty sure she only gets one payment, and mine will be higher)? I'll have to dig around in the rules...

She's only 1 year younger than me, but I'm not aware of any male family member that made it much past 70. The women live forever, but the men not so much...

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