drop by $372.96/mo (3394.30 - 3021.34) after your 66th birthday.
it will take almost 12 years (the member will be 77) for the loss of 372.96/mo to equal the double dip amount of $49,297.92.
so if you live past 77 you may be better off by not double dipping.
it depends on how long you live. 