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Different considerations come into play when there are two 𝗦𝗼𝗰𝗶𝗮𝗹 𝗦𝗲𝗰𝘂𝗿𝗶𝘁𝘆 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 to manage rather than just one. ✌️

One spouse is designated as the '𝗯𝗿𝗲𝗮𝗱𝘄𝗶𝗻𝗻𝗲𝗿' - they earned more in their career and thus, have a higher benefit. While it may be tempting to reach for this more plentiful source of income, that could have negative repercussions down the road.

Instead, activate the lower benefit first and 𝗹𝗲𝘁 𝘁𝗵𝗲 𝗹𝗮𝗿𝗴𝗲𝗿 𝗮𝗺𝗼𝘂𝗻𝘁 𝗰𝗼𝗻𝘁𝗶𝗻𝘂𝗲 𝘁𝗼 𝗴𝗿𝗼𝘄 𝘂𝗻𝘁𝗶𝗹 𝗮𝗴𝗲 𝟳𝟬. That way, either surviving spouse has maximized their benefit in the event of their partner passing. 📬

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