Based on your PIA of $${yourPia.toLocaleString()} and life expectancy of ${yourLifeExpectancy} years, claiming at age ${optimalClaimingAge} could maximize your estimated total lifetime benefits to approximately $${maxLifetimeBenefit.toLocaleString(undefined, {minimumFractionDigits:0, maximumFractionDigits:0})}.

`; if (yourSelectedClaimingAge !== optimalClaimingAge) { individualResultsHTML += `

At your selected claiming age of ${yourSelectedClaimingAge}, your estimated initial monthly benefit is $${benefitsAtSelectedAge.monthly?.toLocaleString(undefined, {minimumFractionDigits:2, maximumFractionDigits:2})} and estimated total lifetime benefit is $${benefitsAtSelectedAge.lifetime?.toLocaleString(undefined, {minimumFractionDigits:0, maximumFractionDigits:0})}.

`; } resultsIndividualDiv.innerHTML = individualResultsHTML; // Spousal Considerations if (includeSpouseCheckbox.checked) { const spouseBirthYear = parseInt(document.getElementById('ssoSpouseBirthYear').value); const spousePia = parseFloat(document.getElementById('ssoSpousePia').value); // const spouseLifeExpectancy = parseInt(document.getElementById('ssoSpouseLifeExpectancy').value); // const spouseSelectedClaimingAge = parseInt(document.getElementById('ssoSpouseClaimingAge').value); if (isNaN(spouseBirthYear) || isNaN(spousePia)) { resultsSpousalDiv.innerHTML = "

Please fill in spouse's Birth Year and PIA if including spouse.

"; } else { const spouseFra = getFRA(spouseBirthYear); const spouseFraString = `${spouseFra.years} years` + (spouseFra.months > 0 ? ` and ${spouseFra.months} months` : ''); let spousalResultsHTML = `

Spousal Considerations (Simplified):

`; spousalResultsHTML += `

Spouse's FRA: ${spouseFraString} (Birth Year: ${spouseBirthYear}), Spouse's PIA: $${spousePia.toLocaleString(undefined, {minimumFractionDigits:2, maximumFractionDigits:2})}/month

`; // Potential spousal benefit FOR YOU on spouse's record const potentialSpousalForYou = calculateSpousalBenefit(yourPia, spousePia, yourBirthYear, spouseBirthYear, yourSelectedClaimingAge, yourSelectedClaimingAge); // Using your age for spousal calculation for simplicity here. spousalResultsHTML += `

If you claim benefits, you might be eligible for a spousal benefit on your spouse's record. The maximum spousal benefit is typically 50% of your spouse's PIA (i.e., $${(spousePia*0.5).toLocaleString(undefined, {minimumFractionDigits:2, maximumFractionDigits:2})}), if you claim it at your own FRA. Claiming it earlier reduces this amount. You'll receive the higher of your own benefit or this spousal amount.

`; // Potential spousal benefit FOR SPOUSE on your record const potentialSpousalForSpouse = calculateSpousalBenefit(spousePia, yourPia, spouseBirthYear, yourBirthYear, parseInt(document.getElementById('ssoSpouseClaimingAge').value || spouseFra.years) , parseInt(document.getElementById('ssoSpouseClaimingAge').value || spouseFra.years)); spousalResultsHTML += `

Similarly, if your spouse claims benefits, they might be eligible for a spousal benefit on your record. The maximum is 50% of your PIA (i.e., $${(yourPia*0.5).toLocaleString(undefined, {minimumFractionDigits:2, maximumFractionDigits:2})}), if claimed at their FRA, reduced if claimed earlier.

`; spousalResultsHTML += `

Survivor Benefits: Upon the death of a spouse, the surviving spouse may be eligible for up to 100% of the deceased spouse's benefit (or their own, whichever is higher). The timing of when the deceased spouse claimed their benefits can affect the survivor's benefit amount. This is a complex area.

`; spousalResultsHTML += `

Note: True joint-life optimization considering both individuals' benefits, spousal benefits, and survivor benefits simultaneously is very complex and beyond this simplified tool.

`; resultsSpousalDiv.innerHTML = spousalResultsHTML; resultsSpousalDiv.style.display = 'block'; } } else { resultsSpousalDiv.style.display = 'none'; resultsSpousalDiv.innerHTML = ""; } notesContainerEl.style.display = 'block'; downloadPdfBtn.style.display = 'block'; }); // PDF Download downloadPdfBtn?.addEventListener('click', function () { const { jsPDF } = window.jspdf; const pdfOutputArea = document.getElementById('ssoPdfOutputArea'); if (!pdfOutputArea || resultsIndividualDiv.innerHTML.includes("Please fill in all required fields")) { alert('Please calculate the benefits first before downloading PDF.'); return; } // Temporarily highlight optimal row for PDF if different from selected const optimalAge = parseInt(resultsIndividualDiv.querySelector('strong:nth-of-type(2)')?.textContent || "-1"); const tableRows = resultsIndividualDiv.querySelectorAll('.sso-table tbody tr'); let previouslySelectedRow = null; tableRows.forEach(row => { if (row.classList.contains('optimal-row')) { // remove existing selection highlight for PDF previouslySelectedRow = row; row.classList.remove('optimal-row'); } if (parseInt(row.cells[0].textContent) === optimalAge) { row.classList.add('optimal-row'); // Highlight actual optimal for PDF } }); html2canvas(pdfOutputArea, { scale: 1.5, useCORS: true, backgroundColor: '#ffffff' }) .then(canvas => { const imgData = canvas.toDataURL('image/jpeg', 0.85); const pdf = new jsPDF({ orientation: 'portrait', unit: 'pt', format: 'a4' }); const pdfWidth = pdf.internal.pageSize.getWidth(); const pdfHeight = pdf.internal.pageSize.getHeight(); const margin = 30; const contentWidth = pdfWidth - 2 * margin; const canvasWidth = canvas.width; const canvasHeight = canvas.height; const ratio = canvasWidth / canvasHeight; let imgWidth = contentWidth; let imgHeight = imgWidth / ratio; if (imgHeight > pdfHeight - 2 * margin) { imgHeight = pdfHeight - 2 * margin; imgWidth = imgHeight * ratio; } pdf.addImage(imgData, 'JPEG', margin, margin, imgWidth, imgHeight, undefined, 'MEDIUM'); pdf.save('SocialSecurity_Analysis.pdf'); // Restore table highlights tableRows.forEach(row => row.classList.remove('optimal-row')); if(previouslySelectedRow) previouslySelectedRow.classList.add('optimal-row'); }) .catch(err => { console.error("Error generating PDF:", err); alert("Error generating PDF. See console for details."); // Restore table highlights even on error tableRows.forEach(row => row.classList.remove('optimal-row')); if(previouslySelectedRow) previouslySelectedRow.classList.add('optimal-row'); }); }); // Initial Setup includeSpouseCheckbox.dispatchEvent(new Event('change')); // Trigger initial state of spouse fields switchTab('infoTab'); // Start on the first tab });