{
  "meta": {
    "seed": 20260709,
    "engine": "ss-claiming-1.1.0",
    "trustees": {
      "depletion": "2032-Q4",
      "payable": 0.78
    }
  },
  "headline": [
    {
      "pia_monthly": 2000,
      "sex": "male",
      "discount_real": 0.0,
      "optimal_scheduled": 69,
      "optimal_cut": 66,
      "optimal_cut_after_tax_by_other_income": {
        "0": 66,
        "20000": 66,
        "40000": 66,
        "60000": 66
      }
    },
    {
      "pia_monthly": 2000,
      "sex": "male",
      "discount_real": 0.01,
      "optimal_scheduled": 69,
      "optimal_cut": 65,
      "optimal_cut_after_tax_by_other_income": {
        "0": 65,
        "20000": 63,
        "40000": 65,
        "60000": 62
      }
    },
    {
      "pia_monthly": 2000,
      "sex": "male",
      "discount_real": 0.02,
      "optimal_scheduled": 66,
      "optimal_cut": 62,
      "optimal_cut_after_tax_by_other_income": {
        "0": 62,
        "20000": 62,
        "40000": 62,
        "60000": 62
      }
    },
    {
      "pia_monthly": 2000,
      "sex": "female",
      "discount_real": 0.0,
      "optimal_scheduled": 70,
      "optimal_cut": 70,
      "optimal_cut_after_tax_by_other_income": {
        "0": 70,
        "20000": 70,
        "40000": 70,
        "60000": 70
      }
    },
    {
      "pia_monthly": 2000,
      "sex": "female",
      "discount_real": 0.01,
      "optimal_scheduled": 70,
      "optimal_cut": 66,
      "optimal_cut_after_tax_by_other_income": {
        "0": 66,
        "20000": 66,
        "40000": 66,
        "60000": 66
      }
    },
    {
      "pia_monthly": 2000,
      "sex": "female",
      "discount_real": 0.02,
      "optimal_scheduled": 69,
      "optimal_cut": 65,
      "optimal_cut_after_tax_by_other_income": {
        "0": 65,
        "20000": 65,
        "40000": 65,
        "60000": 62
      }
    },
    {
      "pia_monthly": 2000,
      "sex": "unisex",
      "discount_real": 0.0,
      "optimal_scheduled": 70,
      "optimal_cut": 68,
      "optimal_cut_after_tax_by_other_income": {
        "0": 68,
        "20000": 68,
        "40000": 68,
        "60000": 66
      }
    },
    {
      "pia_monthly": 2000,
      "sex": "unisex",
      "discount_real": 0.01,
      "optimal_scheduled": 69,
      "optimal_cut": 66,
      "optimal_cut_after_tax_by_other_income": {
        "0": 66,
        "20000": 66,
        "40000": 66,
        "60000": 65
      }
    },
    {
      "pia_monthly": 2000,
      "sex": "unisex",
      "discount_real": 0.02,
      "optimal_scheduled": 68,
      "optimal_cut": 62,
      "optimal_cut_after_tax_by_other_income": {
        "0": 62,
        "20000": 62,
        "40000": 62,
        "60000": 62
      }
    },
    {
      "pia_monthly": 3200,
      "sex": "male",
      "discount_real": 0.0,
      "optimal_scheduled": 69,
      "optimal_cut": 66,
      "optimal_cut_after_tax_by_other_income": {
        "0": 66,
        "20000": 66,
        "40000": 66,
        "60000": 66
      }
    },
    {
      "pia_monthly": 3200,
      "sex": "male",
      "discount_real": 0.01,
      "optimal_scheduled": 69,
      "optimal_cut": 65,
      "optimal_cut_after_tax_by_other_income": {
        "0": 65,
        "20000": 63,
        "40000": 65,
        "60000": 63
      }
    },
    {
      "pia_monthly": 3200,
      "sex": "male",
      "discount_real": 0.02,
      "optimal_scheduled": 66,
      "optimal_cut": 62,
      "optimal_cut_after_tax_by_other_income": {
        "0": 62,
        "20000": 62,
        "40000": 62,
        "60000": 62
      }
    },
    {
      "pia_monthly": 3200,
      "sex": "female",
      "discount_real": 0.0,
      "optimal_scheduled": 70,
      "optimal_cut": 70,
      "optimal_cut_after_tax_by_other_income": {
        "0": 70,
        "20000": 70,
        "40000": 70,
        "60000": 70
      }
    },
    {
      "pia_monthly": 3200,
      "sex": "female",
      "discount_real": 0.01,
      "optimal_scheduled": 70,
      "optimal_cut": 66,
      "optimal_cut_after_tax_by_other_income": {
        "0": 66,
        "20000": 66,
        "40000": 68,
        "60000": 66
      }
    },
    {
      "pia_monthly": 3200,
      "sex": "female",
      "discount_real": 0.02,
      "optimal_scheduled": 69,
      "optimal_cut": 65,
      "optimal_cut_after_tax_by_other_income": {
        "0": 65,
        "20000": 65,
        "40000": 66,
        "60000": 63
      }
    },
    {
      "pia_monthly": 3200,
      "sex": "unisex",
      "discount_real": 0.0,
      "optimal_scheduled": 70,
      "optimal_cut": 68,
      "optimal_cut_after_tax_by_other_income": {
        "0": 68,
        "20000": 68,
        "40000": 70,
        "60000": 68
      }
    },
    {
      "pia_monthly": 3200,
      "sex": "unisex",
      "discount_real": 0.01,
      "optimal_scheduled": 69,
      "optimal_cut": 66,
      "optimal_cut_after_tax_by_other_income": {
        "0": 66,
        "20000": 66,
        "40000": 66,
        "60000": 65
      }
    },
    {
      "pia_monthly": 3200,
      "sex": "unisex",
      "discount_real": 0.02,
      "optimal_scheduled": 68,
      "optimal_cut": 62,
      "optimal_cut_after_tax_by_other_income": {
        "0": 62,
        "20000": 62,
        "40000": 65,
        "60000": 62
      }
    }
  ],
  "finding": "The 2033 trust-fund cut (78% payable) moves the optimal claiming age EARLIER or leaves it unchanged \u2014 never later \u2014 because a 1964-born 62-year-old claimer collects seven full pre-cut years (2026-2032) while a 70-year-old claimer starts in 2034 with every check already reduced."
}