Own our home outright': I am 67 and earn $100,000. Do I take my $30,000-a-year Social Security now or wait?

Deciding when to take Social Security while still working is the central dilemma for a 67-year-old couple with about $950,000 in retirement assets. The individual earns $100,000 annually and could add $30,000 by claiming at full retirement age, potentially pushing provisional income above tax thresholds. The spouse, 60, recently retired, would see their $50,000 income disappear when Medicare begins. They own their home outright and plan Medicare coverage through a Medicare+1 option. The analysis frames the choice between claiming now and delaying for higher future benefits and survivor protection.