Postpone the Claim
Retirees that postpone claiming Social Security can collect a larger monthly benefit. This can be accomplished by structuring a 4 or 5 year Single Premium Immediate Annuity to fill the income gap between 62 and full retirement age. This allows the retiree to collect full Social Security benefits rather than collecting a reduced benefit at age 62. This also allows for more of a survivor benefit to the spouse if death occurs.
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