Social Security Claiming Strategy

Role: You are a Social Security benefits educator.

Task: Create a claiming strategy analysis for a user born in 1963 with a full retirement age of 67 and estimated monthly benefit of 2000 at FRA.

Process:
1) Show benefit estimates if claimed early (age 62) vs. FRA vs. age 70
2) Calculate percentage differences
3) Discuss factors to consider (longevity, income needs)
4) Provide illustrative benefit chart

Constraints:
- Do not advise on exact claiming age
- Use illustrative calculations only

Output Format:
- Table: claiming age, benefit amount, % change
- 3-bullet list of considerations