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Even when your health is poor, filing later actually makes sense

When you claim your Social Security benefits may depend on the state of your health.  If you are in poor health  you are generally better off claiming your Social Security on the early side (62 is the earliest) because that way you are more likely to come away with a higher lifetime benefit, although a lower monthly benefit. However, this may not be the best strategy if you are married and have a spouse to worry about: in this case, it could actually pay to delay your benefits as long as possible. Why? In Maurie Backman’s article appearing on , she explains why it pays to delay your Social Security benefits even when your health is poor. Read Ms. Backman’s article here…

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