Two people. Same age. Radically different futures.
See how health transforms retirement planning.
The Social Security Administration (SSA) publishes life expectancy tables for the general population, but those tables treat everyone as "average." Your health, lifestyle, and conditions tell a very different story.
Your health-adjusted estimate vs. the general U.S. population (Social Security Administration data)
| Age | You | Average | |
|---|---|---|---|
| 75 | 94% | 88% | +6% |
| 80 | 87% | 78% | +9% |
| 85 | 74% | 62% | +12% |
| 90 | 53% | 39% | +14% |
| 95 | 28% | 17% | +11% |
Sarah has a 53% chance of living past 90, compared to 39% for the average woman her age.
| Age | You | Average | |
|---|---|---|---|
| 75 | 61% | 85% | −24% |
| 80 | 38% | 72% | −34% |
| 85 | 17% | 54% | −37% |
| 90 | 5% | 32% | −27% |
| 95 | 1% | 14% | −13% |
Mark has only a 5% chance of reaching 90, compared to 32% for the average man his age.
Each scenario is modeled by our mortality engine with your specific health profile.
Sarah's report? No major lifestyle changes needed. Her healthy habits are already working.
Your health determines when you should claim, not a one-size-fits-all rule.
A longer planning horizon means Sarah collects more total dollars by delaying. Waiting until 70 maximizes her lifetime benefits.
A shorter planning horizon means Mark should claim early. Waiting until 70 risks leaving hundreds of thousands on the table.
Most advisors default to "wait until 70." But for someone with significant health risks, claiming early could mean an extra $86,000+ in lifetime benefits.
Get a personalized, actuarial-grade longevity estimate
built on SOA mortality tables and Monte Carlo simulation.
See how your health changes everything.