Social Security for Men: Why Your Filing Date Is a “Husband’s Duty”
Confused by Social Security?
Happy Father’s Day week. Men, if you are the higher earner, your Social Security check isn’t really for you. It’s for your wife.
The Grim Statistics
Men have shorter life expectancies. When you die, your wife receives the higher of the two checks.
The Best Gift You Can Give
Delaying to 70 buys a life insurance policy that pays out a monthly inflation-adjusted income for her life.
Want to ensure your spouse is protected?
Let’s model the survivor benefit impact.
Conclusion
Don’t file early just to buy a truck. Protect the woman you love.
About Author
Ray R. Harris
Ray R. Harris, RSSA®, partners with tax and legal professionals to provide specialized Social Security claiming analysis for high-net-worth clients aged 58–70. A former executive with an MBA and background in Finance, Ray mitigates liability for his partners by ensuring their clients optimize spousal benefits, tax efficiency, and lifetime income.
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