昨晚算退休帐时特别去看了社安金的算法，一方工作一方不工作，双方都工作一方挣得少一点

第一种情况，都活着时，不工作的拿另一方的一半，最后活下来的无工作一方拿对方的75%。

第二种，都活着时拿各自的社安金，如果最后活着的一方是挣得少的那位，会算高的那方的75%再加上活着的那方的社安金但不能超过高的那位的退休金。

最后结论是挣钱少的一方62岁退，挣钱多的一方70岁退，这样可以利益最大化，不知道我以上的理解对不对

谢谢解释！

第二种好像是早拿的那方永远打折扣，比如62 岁退休拿社保75%，以后拿配偶的也是

从配偶75% 基础上算

 

如果挣钱多的那方在70岁前挂了?

是早拿那方加上高收入那方的75%但不能超过高收入那方，这个是说高收入方挂了后，都活着时是你说的

还是自己的加上高收入那方的75%但不超过高收入那方挂时算出来的社安金

都要谢另一方的不杀之恩了

在哪里看到75%一说。有联接吗？我第一次听说，刚刚又古狗了一下，也没找到

一直的印象都是活下来的那位拿高的那一份

https://opensocialsecurity.com/

这个计算器都是拿全部，没有75%一算

如果配偶的年龄没有到Full Retirement年龄，拿到死去配偶的钱会不同。

The actual amount of your payment will differ according to your age and family circumstance:

As previously noted, if you have reached full retirement age, you get 100 percent of the benefit your spouse was (or would have been) collecting. If you claim survivor benefits between age 60 and your full retirement age, you will receive between 71.5 percent and 99 percent of the deceased’s benefit. The percentage gets higher the older you are when you claim. If you claim in your 50s as a disabled spouse, the survivor benefit is 71.5 percent of your late spouse's benefit. If you apply on the basis of caring for a child who is under 16 or disabled, you can collect 75 percent of the late spouse’s benefit, regardless of your age.   SHOPPING & GROCERIES

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社会安全局的官方网站是最权威的。如果英文版不清楚，有中文版本，遗属福利以全退休金额计算，延迟退休多出来的不算。

这是对的，如果67岁前拿自己，67岁后高的一方挂了，再拿100%的高的

这个讲了两个人年龄的影响

How a deceased spouse's age affects the Social Security retirement benefit

When a spouse passes, the SSA pays an eligible surviving spouse a percentage of the deceased's retirement benefits, depending on the deceased's age:

If the deceased did not reach full retirement age, the surviving spouse can receive 100% of the retirement benefit. If the deceased reached retirement age, the surviving spouse can receive whatever the deceased was entitled to in the month of their death. Similarly, if the deceased already received monthly payments, the surviving spouse is entitled to what they received in the month of their death. How a surviving spouse's age affects Social Security retirement benefits As a surviving spouse, you're entitled to 100% of the deceased's benefits once you reach full retirement age. The full retirement age can differ based on the type of benefit. See this chart for the survivor's full retirement age. If you're younger than full retirement age but at least age 60 (or age 50 with a disability), you are entitled to a reduced benefit (71½% to 99%, depending on your age).

当然。一切以官方语言为准 不是吗?!

您可以在 SSA 网站上找到所有问题的答案

https://www.ssa.gov/benefits/survivors/ifyou.html

您也可以预约到当地社会安全局办公室寻求帮助。 那里的 staff 都超级友好，耐心解释规则并回答你的问题。 在线提前预约。 这很容易。

那70岁退的亏了, 活的短

两种申请社保金策略，file and suspend与Restricted Application

与Restricted Application For Spousal Benefit Only现在都不能用了。

ChatGPT介绍

"file and suspend" 是一种退休福利策略，也与社会保障相关。它指的是申请人首先申请社会保障福利，然后立即暂停（suspend）领取这些福利，以便让自己的配偶能够开始领取配偶福利。这样做的好处是，申请人可以继续积累自己的社会保障福利，因为福利的金额会随着推迟领取而增加，同时让配偶也能够开始领取福利。这种策略在2016年也进行了修改，不再适用于所有人，而是仅限于在特定时间内达到了完全退休年龄的人。

"Restricted Application for Spousal Benefit Only"是指在美国社会保障制度下的一种申请策略。通常，配偶可以根据自己的工作收入获得社会保障福利，也可以根据配偶的工作收入获得更高的福利。Restricted Application for Spousal Benefit Only允许符合条件的人选择只领取配偶的福利，而不领取自己的福利，以便在未来可以获取更高的个人福利。这种策略一般适用于已达到完全退休年龄的人，并且必须在符合一些特定条件下才能使用。

有人工作到70，两样一起拿，要考虑税务问题。

看总结, 不就是挣得多的七十退, 去世早. 挣得少早退收益最大

毛主席说：任何事情都要问一个为什么，都要经过自己头脑的周密思考，想一想它是否合乎实际，是否真有道理，绝对不应盲从。。。

革命的“怀疑一切”万岁（清华大学东方红南下革命战斗队，1966.10.7） (marxists.org)

能活多久才是决定因素

破唱片再放一遍？自己的寿命是没法知道的，一旦没有了主动收入，应该立马拿社保金。早拿晚拿打平也要80岁左右了。

可是这个决定因素就是最不确定因素？

很对！

The rules are the rules, 不管你怎么想，你都不能违反规则。 这是事实