Yes I know but it is a huge hit , when you go onto the web site it shows both amounts based on your current contributions go date .Taking mine at 60 drops it almost in half and I used 65 because AJ said he is going to be 65 .you can also diffur OAS till your 70 and get a bigger benefit but why take that gamble ? I say get it while your breathing .My point is they both should be getting more than the number she is getting now and he should look into it .