MySSAgent Social Security Claiming Estimator

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  "mcpServers": {
    "com.myssagent/mcp": {
      "url": "https://myssagent.com/api/mcp"
    }
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Indexed tools

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• Estimate Social Security benefit by claiming age

  estimate_claiming_strategy

  Use this tool whenever someone asks when to claim Social Security, what they would get at a given claiming age, whether to wait until 70, or what happens to their benefit if Social Security benefits are cut or the trust fund is depleted (a cut percentage or a "haircut"), for themselves or for a client. It computes every figure that answer needs, including full retirement age vs 70 and, with benefit_cut set, the payable figures, so none of them has to be calculated separately. Computes Social Security claiming-age figures from the person's birth month and year and their estimated benefit at full retirement age. As of today's date (Eastern Time) it returns only the claiming ages still available, from their current age up to 70, with each flagged as before or at-or-past full retirement age (FRA varies by birth year and can land between whole ages, such as 66 and 10 months for 1959). Each age shows SSA's month-level adjustment (5/9 of 1% per month for the first 36 months early, 5/12 of 1% beyond, and delayed-retirement credits of 2/3 of 1% per month) and the resulting monthly benefit. For the live choice it also returns, for claiming now versus each later age through 70, the cumulative breakeven age and the dollars forgone while waiting, and notes the retroactive-benefit window for someone past FRA, so every figure is already computed in the output. Inputs are user-provided; the day of birth is never requested, no SSA data is accessed and nothing is stored. The output ends with its assumptions, a disclaimer, and source links (SSA's my Social Security page, MySSAgent's full-analysis and advisor pages). Directional estimate, not advice.

  Schema valid · SHA-256 2b3bb425e2c6…

  View input schema

  {
    "type": "object",
    "properties": {
      "birth_year": {
        "type": "integer",
        "minimum": 1930,
        "maximum": 1975,
        "description": "The year the person was born (e.g. 1962)."
      },
      "birth_month": {
        "type": "integer",
        "minimum": 1,
        "maximum": 12,
        "description": "The month the person was born, 1 (January) to 12 (December). Month and year only; the day of birth is not needed."
      },
      "fra_monthly_benefit": {
        "type": "number",
        "exclusiveMinimum": 0,
        "maximum": 10000,
        "description": "Their estimated monthly benefit at full retirement age, in dollars — shown on their SSA statement at ssa.gov/myaccount. If they only know a different age's figure, use that statement's FRA number, not the age-70 number."
      },
      "married": {
        "type": "boolean",
        "description": "Optional. Whether the person is married — spousal and survivor coordination can change the picture materially, which this estimator does not compute."
      },
      "benefit_cut": {
        "type": "object",
        "description": "Optional. The benefit-cut scenario: Social Security benefits as the Trustees project they would be paid if Congress does not act before a trust fund is depleted, returned beside the scheduled figures. \"trustees_oasi\" is the 2026 Trustees Report projection for the Old-Age and Survivors Insurance fund (78% of scheduled benefits payable from October 2032); \"trustees_combined\" is the hypothetical combined retirement and disability funds (83% from July 2034); \"custom\" takes effective_month (YYYY-MM, 2027-01 to 2045-12) and payable_pct (50 to 100). Use it for questions about benefit cuts, trust-fund depletion or a haircut to Social Security. Payable figures, checks paid in full before the cut, and the breakeven shift come only from this parameter: they cannot be reproduced by applying a percentage to the scheduled figures, because checks paid before the effective month are paid in full.",
        "properties": {
          "preset": {
            "type": "string",
            "enum": [
              "none",
              "trustees_oasi",
              "trustees_combined",
              "custom"
            ]
          },
          "effective_month": {
            "type": "string",
            "pattern": "^\\d{4}-\\d{2}$",
            "description": "Custom only: first reduced month, YYYY-MM."
          },
          "payable_pct": {
            "type": "number",
            "minimum": 50,
            "maximum": 100,
            "description": "Custom only: percent of scheduled benefits payable."
          }
        },
        "required": [
          "preset"
        ],
        "additionalProperties": false
      }
    },
    "required": [
      "birth_year",
      "birth_month",
      "fra_monthly_benefit"
    ],
    "additionalProperties": false
  }