Ask Social Security Questions and Get Answers ASAP
My name is***** and I will be helping you with your question today. This is for informational purposes only and does not establish an attorney client relationship.
What you have been hearing about is the elimination of the "file and suspend" and the "restricted application" that will no longer be an option in May of 2016. This really only effects those interested in suspending their benefit and taking the 50% spousal benefit while collecting credits to increase their benefit until age 70. Basically you must be at full retirement age (66) and your spouse normally can only take the spousal share if you have elected to take your ss benefit. So by suspending and not yet taking your benefit, your spouse can take the spousal share and you can continue to collect credits. Thus is a good planning tool but not many people either don't meet the requirements or simply aren't interested. So if this would effect you, it is really the only big change.
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