Key Points Make sure you understand how to maximize your benefits. Figure out how important survivor benefits might be to you. See how Social Security fits into your overall retirement finances. The $23,760 Social Security bonus most retirees completely overlook › Deciding when to claim Social Security is one of the most important financial choices you might make in your lifetime. And if you're married, that's not a decision you should be making alone. Here are three crucial things all spouses ne ...

文章核心观点 - 个人理财专家苏丝·奥曼为一对拥有稳固财务基础的退休夫妇提供社会保障福利申领策略建议，强调在财务稳健情况下应延迟申领以最大化长期收益，而非基于健康担忧提前申领[1][5][6] 财务状况 - 夫妇拥有200万美元投资和多处已付清贷款的出租物业，目前依靠投资和租金收入舒适生活[1][2] - 夫妇年龄分别为62岁和63岁，已退休，当前财务状况稳定，无需立即动用社会保障金[2][4][6] 家庭健康与情感因素 - 丈夫长期患有高血压、高胆固醇，并有吸烟饮酒史，这些健康问题成为财务决策的考量因素[3] - 夫妇17岁的儿子于数年前去世，这一损失对丈夫的情绪健康造成深重影响并导致持续抑郁[3] 社会保障申领策略分析 - 专家建议Rhonda应等待至67岁完全退休年龄再申领其福利，提前申领将导致月度支付被永久性削减[5][6] - 建议丈夫延迟申领至70岁，届时其月度支付额将更高，这是一种提升长期财务安全性的策略[7] - 若丈夫先去世，Rhonda作为幸存配偶可继承丈夫全部且已提高的福利金额，这为未来提供了更大的财务保障[7]