Social Security Questions? Ask a Social Security Expert
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There is a "file and suspend" loophole that deals with the spousal benefit that wil be eliminated on May 1, 2016. This is being hyped on many websites and many people do not understand that it does not effect many people. 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 your 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. This will increase your ultimate social security benefit by receiving additional credits during this time. So no this will most likely not add anything to your check unless you want to take advantage of this narrow loophole.
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