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This change has been hyped by the media and a lot of websites and does not affect many people. Basically it is a loophole that will be closed that relates to spousal benefits and being at age 62, you will not be at full retirement age (age 66) in order to take advantage of this before the loophole is eliminated. There is not a magical "six letter word" that will get you more money. You will only meet the requirements for the "file and suspend" If you are at full retirement age (66) and you have a spouse that is eligible to take spousal benefits. This will allow you to suspend you benefits at age 66 and have your spouse elect to take the 50% spousal benefit and you can elect not to take the benefit until age 70 and increase you ultimate benefit by receiving credits during this time. So no this will not add anything to your check as you cannot take advantage of this narrow loophole. It is really up to you if you want to take early retirement (before age 66 social security will decrease your benefit depending on how early you elect to take your benefits) and it really depends on if you are still working (this can decrease your benefit as well) and if you need the money.
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