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Phillips Esq.
Phillips Esq., Attorney-at-Law
Category: Social Security
Satisfied Customers: 17525
Experience:  B.A.; M.B.A.; J.D.
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My wife and I were both born in April 1953. She currently

Customer Question

My wife and I were both born in April 1953. She currently earns about $150K/ year while I earn about $20K/ year. Does it make sense for us to use the file-and- suspend approach that has been discussed in the media
Submitted: 7 months ago.
Category: Social Security
Expert:  Phillips Esq. replied 7 months ago.
You cannot use the file and suspend because you have not reached your full retirement age. You must be at full retirement age (age 66 or older) before you can use the option. Kindly give a positive rating to my response so that I can receive credit for responding to your post. There is no additional cost to you for doing this. Thank you for your cooperation.