Creative Social Security Claiming Strategies: Understanding the Nuances

With more people learning about file-and-suspend and claim-now- claim-more-later strategies, mistakes are being made – like trying to do certain things before full retirement age. Also, the Budget Act of 2015 changed some of the rules about who can do what and when. File-and-suspend One now-closed strategy is file-and-suspend, where the higher-earning spouse files for Social Security upon reaching full …