Social Security

Couple / household Social Security claiming optimizer

Finds the claiming ages for a married couple that maximize the household's expected present value, accounting for spousal benefits while both are alive and the survivor benefit the surviving spouse keeps for life. A composite of the SSA mortality table and the single-person reduction / delayed-retirement-credit factors (no new data). Returns the optimal (claim_age_a, claim_age_b), the full expected-PV surface for a heatmap, and the gain over both-at-FRA / both-at-70 — so the canonical result is explicit: the higher earner usually delays (the survivor benefit), the lower earner can claim earlier. Benefits are real (today's) dollars; discount_rate is real. Deterministic; not advice.

post/v1/social-security/couple-claim

Request

  • Base URL: https://api.numeratica.com
  • URL: https://api.numeratica.com/v1/social-security/couple-claim
  • Auth: one of:
    • HTTP bearer
    • API key in header X-API-Key

Request body

discount_ratenumber

Real annual discount rate for the present value (benefits are real dollars; 0 = undiscounted).

Response

The optimal claim ages + the expected-PV surface

result_idstring
engine_versionstring
disclaimerstring

Example response

{
  "result_id": "coupleclaim_1a2b3c4d5e6f7a8b",
  "engine_version": "couple-claim-1.0.0",
  "result": {
    "optimal": {
      "label": "optimal",
      "claim_age_a": 69,
      "claim_age_b": 62
    }
  }
}

Changes

No recorded changes to this operation across all 1 revision of this API.