Logo Social Security Income Planner

Everything A-OK--just ran the data and it makes sense. Your software is what I have been looking for the past few years. I would be happy to recommend you - Peter J. Herman, Charleston, SC

Check out other happy customers

Social Security Income Planner allows retirees to explore additional retirement planning options using available Social Security claiming strategies, compare total lifetime benefits with charts & review monthly/yearly cashflow.

Our Value Proposition

  1. The most common strategies to consider when retirees decide how and when to claim their Social Security retirement benefits.
  2. Most retirees may not even be aware that certain options exist and the optimal dates to execute the strategies.
  3. Avoid mistakes of filing at a non-optimal date that can cost thousands of dollars.
  4. Exact dates to execute each strategy as a missed date can cost you well over a thousand dollars.
  5. Spend a small amount to purchase access to our Software and craft a strategy that will help you get the most value out of the Social Security program/system.

Strategies© Modelled

  • 62/62
  • 62/66
  • 66/62
  • 66/66
  • 70/62
  • 70/66
  • 70/70
  • 62/70 + Spouse Spousal
  • 66/70 + Spouse Spousal
  • 70/62 + Primary Spousal
  • 70/66 + Primary Spousal
  • 70/70 + Primary Spousal
  • 70/70 + Spouse Spousal

Filing a 'restricted application' for a spousal benefit.

'Claiming and suspending' (also referred to as 'filing and suspending') a benefit to make a spouse entitled to a spousal benefit on the other spouse's work record.

Modeling future 'survivor benefits' based on an assumed year of death of one spouse.

Starting worker benefits or spousal benefits for either partner at the ages of your choosing. (In this situation, the software will advise you if you are ineligible for a requested benefit due to the rules in place.)

  • 62 + Spousal
  • 66 + Spousal
  • 70 + Spousal
  • 70 + Spousal at 66

Filing worker benefits at your chosen age.

Filing for a spousal benefit based on your former spouse's benefit and then switching to your own higher benefit at a later age.

The impact of a survivor benefit based on your former spouse's benefit.

  • 62 + Survivor at 60
  • 66 + Survivor at 60
  • 70 + Survivor at 60
  • 62 / Survivor at 66

Starting a survivor benefit then switching to your own benefit or vice versa.

  • 62 (Early)
  • 66 (Full)
  • 70 (Delay)

Filing worker benefits at your chosen age.

http://ssa.gov/pubs/EN-05-10007.pdf
If you receive a pension from a federal, state or local government based on work where you did not pay Social Security taxes, your Social Security spouse's or widow's or widower's benefits may be reduced.

Your Social Security benefits will be reduced by two-thirds of your government pension. In other words, if you get a monthly civil service pension of $600, two-thirds of that, or $400, must be deducted from your Social Security benefits. For example, if you are eligible for a $500 spouse's, widow's or widower's benefit from Social Security, you will receive $100 per month from Social Security ($500 - $400 = $100).

The Software does NOT model

  • Benefits for those 'currently on disability' OR 'applying for disability benefits'.
  • Possible family benefits if you are retiring and still have 'minor children'.
  • The 'do-over strategy' or 'Social Security Payback Option' (recently 'revoked by the SSA')
  • WEP (Windfall Elimination Provision)

The software attempts to model different strategies that you may wish to consider.  There may be additional strategies available that JASUBA LLC is not aware of.  Please discuss all potential strategies with the Social Security Office.

No portion of this website may be used or reproduced without prior written consent.  This site is directed at, and made available to persons in the United States only.