社保还是要懂一点的，特别是年纪临近了或已经可以领了，今天网上看到这条，

以前没注意，如果我理解准确，夫妇收入高的那个是应该晚点拿的，对吧？

If one partner in a marriage passes away, the surviving partner may be able to claim the deceased's benefits as their own. If the deceased individual received higher payouts than the surviving spouse, the latter can take over receiving those payments and forfeit their own. You can also consider this when planning out your benefits. You may choose to use other means to increase your personal Social Security benefits, so your family has more to rely on if you were to pass away.

所有跟帖： 

• 地主有收入， 可以延后拿。 -orlandomagic- ♂ (0 bytes) () 12/05/2020 postreply 10:23:57

• 正确的。这个要通盘考虑的 -螺丝螺帽- ♀ (105 bytes) () 12/05/2020 postreply 10:27:53

• 举例，A，B 夫妇各拿自己社保，A 比 B 多，A 去世后，B 可以拿 A 的那份放弃自己的吗？ -hz82000- ♀ (0 bytes) () 12/05/2020 postreply 11:21:20

• 可以的，先拿Ｂ自己的，等A的社安金到最大值再转过去。 -上海大男人- ♂ (0 bytes) () 12/05/2020 postreply 12:31:27

• 那就是说，A先不拿社保金？如果A死了，怎么办? -hhtt- ♂ (0 bytes) () 12/05/2020 postreply 12:42:23

• 美国是社会主义 -上海大男人- ♂ (824 bytes) () 12/05/2020 postreply 13:01:27

• 正确的 -螺丝螺帽- ♀ (0 bytes) () 12/05/2020 postreply 13:21:42

• 谢谢，这些真的要研究研究的 -hz82000- ♀ (0 bytes) () 12/05/2020 postreply 12:55:24

• 社保金，如果70岁开始领取会在你社保金基础上增加30%作为奖励。 -文江-波士顿- ♂ (0 bytes) () 12/05/2020 postreply 18:06:00

• 挣钱多的那个也许真该70岁后领取，谢谢这个information -hz82000- ♀ (0 bytes) () 12/05/2020 postreply 19:08:27

• 人算不如天算，到62就該拿，最後拼的是誰活得長而不是誰每個月拿得多，呵呵 -芒果刨冰- ♀ (0 bytes) () 12/05/2020 postreply 19:28:52