The decision on when to claim Social Security is critical for couples. For those with uneven earnings, delaying the higher earner's claim until age 70, even if the lower earner starts at 64, can unlock substantial lifetime income and a stronger survivor benefit, potentially adding hundreds of thousands of dollars to the household's financial security. [IMAGE_1] This strategy requires planning to bridge the income gap during the delay years, often by drawing down other retirement savings. However, the long-term gains, especially the enhanced survivor benefit, often make this a financially prudent choice, provided both spouses are in good health. Personalized analysis using benefit estimators is essential before filing. [IMAGE_2]