If you're at least 60 but not yet at Social Security's definition of "full retirement age," your payout will be somewhere in the range of 71% to 99% of your deceased spouse's full benefit.

by definition, cannot be in the latter group. To be clear, this is the average benefit of those who are 67 years old now – not the average of those who started receiving Social Security at that age.

If a millionaire pays the exact same amount annually in Social Security taxes as someone making around $200,000, and they both receive exactly the same return, that is the definition of equality.