Single vs. Married: Why Single Filers Have Less Room for Error
Confused by Social Security?
If you are single, your filing decision is high stakes. You don’t have a spousal benefit as a safety net. Your check is your primary guaranteed income for life.
The “Solo Ager” Strategy
For singles, delaying to age 70 is often the most powerful Longevity Insurance you can buy. It protects you against inflation when you are 85 or 90.
The Counter-Argument: Health
The only reason for a single person with savings to file early is poor health. Otherwise, maximizing the monthly check is usually mathematically superior.
Single?
Let’s analyze your longevity and break-even age to find your perfect month.
Don’t Forget the “Ex” Factor
If you were married 10+ years, you may qualify for divorced-spouse benefits.
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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