62歳受給開始時の30%減額ペナルティ、満額受給（67歳）、70歳繰り下げによる24%増額効果および生涯損益分岐年齢を試算。
Cumulative Lifetime Payout through age 85: $769,137.
\text{Benefit} = \text{PIA} \times \left(1 - \frac{5}{900} m_1 - \frac{5}{1200} m_2 + \frac{2}{300} m_{delayed}\right)Applies statutory 5/9 of 1% monthly penalty for first 36 months early, 5/12 of 1% for next 24 months, and 2/3 of 1% monthly bonus for delay past age 67.
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