Social Security Assessment

Are You Leaving $100,000+
on the Table?

The decision of when to claim Social Security is permanent and irreversible. The wrong choice costs most families over $100,000 in lifetime benefits — and most people make it without any analysis.

Check My Social Security Strategy — Free →

4 minutes  ·  No signup required  ·  Not a sales pitch

$200k+
Lifetime benefit difference: claiming at 62 vs 70
8%
Annual benefit increase for every year you delay past FRA
30%
Permanent benefit reduction from claiming at 62
85%
of benefits potentially taxable at higher incomes
How This Assessment Works
Find the Social Security claiming strategy that's worth the most to your family.

Answer 10 short questions about your age, marital status, work history, and current plan. See a Social Security Strategy Score and the claiming moves that could add tens of thousands over your lifetime.

Model claiming age vs. break-even
Claim at 62, full retirement age, or 70? See how your health, spouse's benefit, and cash-flow needs change which age actually wins.
Find spousal & survivor benefits
Spousal, ex-spouse, and survivor benefits are often left on the table. We flag the ones you may be eligible for that aren't part of your current plan.
Coordinate with work, taxes, Medicare
Claiming interacts with working-while-collecting limits, the tax torpedo on your benefit, and IRMAA surcharges on Medicare. Your score factors these in.

Not financial advice. Sema Legacy is educational — Social Security rules are complex and case-specific. We prep you for a smarter conversation with a claiming specialist.

Why This Decision Deserves More Than a Guess

Social Security claiming is one of the most impactful financial decisions most people will ever make — yet most make it without a single hour of analysis.

01
Critical
Claiming at 62 permanently cuts your benefit by up to 30%
Early claiming reduces your monthly benefit by 5/9 of 1% for each month before your Full Retirement Age. That reduction is permanent — it never goes away, and it compounds over decades of retirement.
02
Critical
Married couples have strategies worth $50,000–$200,000+ that most never use
Coordinating claiming ages, maximizing the higher earner's benefit, and optimizing survivor benefits can add enormous lifetime income to a married household. Most couples claim at the same time without any analysis.
03
High Risk
Most people have never checked their personalized benefit estimate
The SSA provides a free, personalized benefit estimate at ssa.gov/myaccount showing your projected benefit at 62, 67, and 70. Most Americans have never logged in — so they're guessing on a $1M+ decision.
04
Important
Up to 85% of your Social Security benefit is federally taxable
If your combined income exceeds $44,000 (married), up to 85% of your benefits face federal income tax. This affects your optimal claiming age, Roth conversion strategy, and withdrawal sequence.

What Your Free SS Assessment Reveals

10 questions. A personalized strategy score. A clear picture of whether your plan is optimized.

✓
Whether your current claiming strategy is optimal for your age and health
✓
Your breakeven analysis — when delaying pays off vs. claiming earlier
✓
Spousal and survivor benefit optimization for married couples
✓
How much of your Social Security will be subject to federal income tax
✓
Whether divorced or widowed benefits may apply to your situation
✓
A prioritized action checklist with state-specific guidance

Three Steps. Four Minutes.

No login. No credit card. No sales call.

1

Answer 10 Questions

About your age, work history, marital status, and current strategy. No SSN required.

2

See Your Score

Get your Social Security Strategy Score and key gaps instantly — completely free.

3

Follow Your Plan

Unlock step-by-step guides for each gap, personalized to your state and situation.

What It's Worth

For $39/month, don't leave $150,000 in lifetime benefits on the table

Social Security claiming is the single most impactful financial decision most retirees make — and most people get it wrong by defaulting to the earliest date.

Claiming Too Early
Claiming at 62 instead of 67–70
$100,000–$250,000
in lost lifetime benefits — every year you delay past 62 adds 5–8% permanently to your monthly benefit
No Spousal Strategy
No coordinated spousal claiming plan
$50,000–$150,000
in missed spousal and survivor benefits — the right sequence between spouses can dramatically increase household lifetime income
No Break-Even Analysis
Claiming without knowing your break-even age
Varies by health
if you live past your break-even point (typically 78–82), waiting always wins — most people underestimate their own longevity
Tax Torpedo
SS benefits creating an unexpected tax spike
$5,000–$20,000
in avoidable taxes — up to 85% of SS benefits can be taxable; Roth conversions before claiming can reduce this significantly
Suboptimal SS claiming costs couples
$100,000–$300,000
vs
Sema Legacy annual cost
$349/year

You only make this decision once. A 4-minute assessment tells you whether your current plan is optimal — or if a different strategy could put hundreds of thousands more in your pocket.

Document Vault
Store, organize, and AI-analyze your important documents

Upload your will, trust, insurance policies, and healthcare directives. Sema Legacy keeps them organized by topic — and AI reads them to flag what's outdated or missing.

Secure upload — PDF, images, Word
AI document analysis
Smart document checklist
Organized by topic
Never shared with third parties  ·  Included with your plan
Free Assessment

Is Your Social Security Strategy Leaving Money on the Table?

This decision is permanent. It takes 4 minutes and costs nothing to find out if your strategy is optimized.

Start My Free SS Assessment →

4 minutes  ·  No signup  ·  Not a sales pitch

Educational Use Only. Sema Legacy provides educational information, not financial advice. Social Security rules are complex. Always consult a qualified Social Security specialist or financial advisor for decisions specific to your situation.