WealthPulse Social Security Claiming Strategy Analyzer

{
  "type": "json",
  "example": {
    "key_ages": {
      "fra_note": "Born in 1960 or later, FRA is 67",
      "earliest_claiming": "62",
      "maximum_delay_age": "70",
      "full_retirement_age": "67"
    },
    "birth_year": "1965",
    "disclaimer": "For informational purposes only. Benefit estimates are illustrative. Use SSA.gov My Social Security for your actual projected benefits based on your earnings record.",
    "amazon_link": "https://www.amazon.com/s?k=Social+Security+claiming+strategy&tag=pulsenetwork7-20",
    "amazon_search": "Social Security claiming strategy",
    "optimal_strategy": "Delay to 70 given married status and good health — 24% higher benefit and larger survivor protection",
    "spousal_benefits": {
      "applies": true,
      "strategy": "The higher earner should delay to maximize the survivor benefit",
      "survivor_benefit_note": "A surviving spouse steps up to the higher of the two benefits"
    },
    "breakeven_analysis": {
      "fra_vs_70": "Age 82-83 vs claiming at FRA",
      "early_vs_fra": "Age 78 vs claiming at 62",
      "interpretation": "Delaying pays off if you expect to live past your late 70s"
    },
    "monthly_benefit_scenarios": [
      {
        "claim_age": "62",
        "relative_benefit": "If FRA benefit is $2,600: ~$1,820/mo",
        "reduction_or_increase": "30% reduction vs FRA"
      },
      {
        "claim_age": "70",
        "relative_benefit": "If FRA benefit is $2,600: ~$3,224/mo",
        "reduction_or_increase": "24% increase over FRA"
      }
    ]
  }
}