{
  "tool_id": "art-282-social-security-claiming-optimizer",
  "note": "golden_hash filled by `node golden-parity.test.mjs --update`.",
  "vectors": [
    {
      "name": "claim-at-62-early",
      "policy_parameters": {
        "claimant": {
          "birthYear": 1960,
          "pia": 2000,
          "claimAge": 62,
          "earningsIfWorking": 0,
          "discountRatePct": 3,
          "longevityAge": 85
        }
      },
      "output_payload": {
        "birthYear": 1960,
        "fullRetirementAge": 67,
        "pia": 2000,
        "claimAge": 62,
        "monthlyBenefitAtClaimAge": 1400,
        "recommendedClaimAge": 70,
        "lifetimePV": 284540.1995057521,
        "breakEvenAge62vs70": 81,
        "earningsTestAnnualLimit": 23400,
        "longevityAge": 85
      },
      "golden_hash": "051be1dc4533236e3d9c332d8ccdde924f5b24b7220497effeb31588d0dd3990"
    },
    {
      "name": "claim-at-70-delayed",
      "policy_parameters": {
        "claimant": {
          "birthYear": 1960,
          "pia": 2000,
          "claimAge": 70,
          "earningsIfWorking": 0,
          "discountRatePct": 3,
          "longevityAge": 85
        }
      },
      "output_payload": {
        "birthYear": 1960,
        "fullRetirementAge": 67,
        "pia": 2000,
        "claimAge": 70,
        "monthlyBenefitAtClaimAge": 2480,
        "recommendedClaimAge": 70,
        "lifetimePV": 365931.13662792975,
        "breakEvenAge62vs70": 81,
        "earningsTestAnnualLimit": 23400,
        "longevityAge": 85
      },
      "golden_hash": "967352c89c4a409efe7ea27a2606f682a0c73c43b39ee8fa463f31a1aa9b34f3"
    },
    {
      "name": "empty-input",
      "policy_parameters": {},
      "output_payload": {
        "birthYear": 1960,
        "fullRetirementAge": 67,
        "pia": 0,
        "claimAge": 67,
        "monthlyBenefitAtClaimAge": 0,
        "recommendedClaimAge": 62,
        "lifetimePV": 0,
        "breakEvenAge62vs70": 70,
        "earningsTestAnnualLimit": 23400,
        "longevityAge": 85
      },
      "golden_hash": "df41546b31e5afe9f2225c64e2c3a2ffaabad2ae3dc974f8f5a00f3c3116512f"
    }
  ]
}