Yes, I considered it, and decided that as a couple, the probability was we were more likely to be better off if my wife collected at 62 and I delayed until age 70 than if we both collected early.
Don't you have a Medigap policy to cover the copays?
This is the only reasonable thing I can think of.
Does anyone see anything strange in the section addressing Charitable beneficiaries?
If you wouldn't mind: Did you encounter any encrypted files, and if so how did you deal with them?