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Yeah, the patient is either starting, or able to meet 100% of their living expenses through a comb of pension, ssa annuities and other guaranteed, or I suppose might get free room and board, etc.

Whether or not you use pension or SSA or an annuity or whatever, you are still making withdrawals to meet the bills. In the case of someone who has retired but the spouse is still working and providing all of the income; well, the family "unit" hasn't actually retired, and it's the unit that must be considered for that case.

SSA has a value, and should be considered as part of your retirement assets. So should all the rest; including a working spouse. :)

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