Posted by rrlund on December 14, 2018 at 12:37:27 from (173.225.203.235):
In Reply to: Re: Social Security. posted by oldtanker on December 14, 2018 at 12:10:00:
Every case is unique and everybody needs to consider their own situation. I just pulled up the calculator on the SS website again a few days ago just for the heck of it. You're right on the money with the difference between 62 and 66 breaking even at 77,but in my case at least,the difference between 62 and 70 breaks even at 78. That's without even figuring any kind of an annual cost of living increase. I get a statement every year now and have learned that they add on the cost of living increase to what you can draw at full retirement even if you're not drawing it. Not only does mine grow by 8% per year for every year that I wait beyond 62,they compound that COLA increase on it too.
As far as the whole thing where everybody knows somebody who died after their first check,don't anybody confuse possibility with probability.
The possibility that you'll be dead by midnight is 50/50. Those are the only two options. You'll either be dead or alive,50/50. The probability that you'll be dead by midnight is a whole different thing. It would take an actuary with every little piece of your personal information to figure your probability.
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