Scott's SS Inputs
SS starts: 2056 · Monthly: —
Courtney's SS Inputs
SS starts: 2053 · Monthly: —
Global Assumptions
Claiming Factor Reference
| Age | Factor | Scott Monthly | Scott Annual | Courtney Monthly | Courtney Annual |
|---|
Scott — Breakeven Analysis
Courtney — Breakeven Analysis
Scott — PV Lifetime Analysis
| Claim Age | Start | Monthly | Total Nominal | PV (discounted) |
|---|
Courtney — PV Lifetime Analysis
| Claim Age | Start | Monthly | Total Nominal | PV (discounted) |
|---|
⚠ ACA Cliff Impact of Early SS Claiming (Before Medicare 2051)
Up to 85% of SS benefits count as MAGI for ACA subsidy purposes. Claiming before Medicare (age 65, 2051) can push over the cliff and eliminate Premium Tax Credits (~$15k–20k/yr in lost subsidies).
| Year | ACA Cliff (HH3) | SS If Both Claim 62 | 85% Taxable SS | +Base MAGI ($95k) | Status |
|---|
✓ Your plan (Scott 70 / Courtney FRA) starts SS in 2053+ — after Medicare at 2051. No ACA cliff risk.
Survivor Benefit Analysis
The surviving spouse receives the HIGHER of their own benefit or the deceased spouse's benefit.
Recommendation — Matches Your Boldin Plan