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It's not really a loophole since the system was designed to allow this but FAASF stands for Filing As A Spouse First. Using this method the higher earning spouse first files a claim (usually as early as possible) on the lower earning spouse's social security benefits "as a spouse". That allows them to collect an extra amount to make ends meet while they continue putting depositing money with no withdrawals into the higher earning spouse's social security fund. This means when they finally do draw against that fund, usually when the higher earning spouse reaches age 70, the monthly benefits will be as high as possible.