Social Security Questions? Ask a Social Security Expert
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There have been a lot of people and websites speaking of this change like it is going to effect a lot of people. This loophole is small and does not add to benefits for a person your age. It involves suspending your benefits at age 66 in order to allow your spouse to take the spousal benefit and let your credits build up until age 70 for a higher social security benefit. 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 not add anything to your check and you should not worry about this change in the law. that will go away in May 1, 2016.
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