Quicken Social Security Optimizer may not be appropriate for you if any of the following criteria are true:
- Both you and your spouse have already filed for Social Security benefits.
- Quicken Social Security Optimizer only supports one individual having already filed for benefits.
- Either you or your spouse have already filed for Social Security benefits other than your own retirement benefits.
- Prior filings for spousal benefits, survivor benefits, and disability benefits are not supported.
- Either you or your spouse have voluntarily suspended your Social Security retirement benefits.
- You are planning on filing for benefits early and continuing to work.
- If you have never married.
- Quicken Social Security Optimizer still works in this case, but the analysis is less complex than for Married, Divorced or Widowed individuals.