Why Social Security shows increase

Q:

For my client: at age 88, the husband's social security is $53,000 and at age 89 it goes up to $69,000 and he is not sure why.

 

A:  

When a shortfall occurs in retirement typically that will lower their social security taxes which increases their net social security benefits.
 
Also note: if you want to model one spouse dying, at say age 90...the highest social security benefit continues - so model the lower benefit stopping.  This is counter intuitive...modeling one spouse dying if they have higher benefit you stop the benefit of the living spouse.
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