I am 63.5 and my wife is slightly over 56. We have a disabled son who is 27 and disabled since birth. I plan on working until age 70 but the wife is semi-retired and taking care of our son. We have already purchased MMSS (about 6 months ago) and we will continue to do so and probably upgrade to your additional service levels just prior to making our "final" decisions. That said, I was originally planning on filing at age 66 to receive my full and so my wife could receive spousal and children's benefits. However, the program encourages me to file this year (Age 63) but if I do I would receive a $0 benefit due to earnings deductions. There is a slight positive balance achieved (approximately $3,500 both years) at age 64 and 65. I think the question is why I would I declare at age 63 just to see the Net Benefit eradicated by the Earnings Deductions (for ages 63, 64 and 65) instead of just waiting until age 66 whereby I do not need to be concerned about any Earnings Deductions or its effect on my work earnings. In addition, by waiting until 66 would not my higher level retirement benefits at least partially offset the Net Benefit lost by following the MMSS plan? Hope this question makes sense. Thank you for all that you do obo all involved. - KB

Keith,
The reason MaximizeMySocialSecurity (MMSS) shows this strategy is that it gives you the highest lifetime Social Security benefits. You can input your alternative strategy of filing for retirement benefits at age 66 into MMSS as the what-if scenario and see that it underperforms the maximized strategy.
Since you are a current MMSS customer, please use the MMSS Contact Form for future questions.
Best,
Mike