[WSBAPT] Changes in Social Security Rules "file and suspend" under recent legislation -Grandfathered

[Josh Grant]

Listmates

As you know several strategies which we have been explaining to our 62+ year old clients have been lost with regard to maximizing social security benefits.  

I know "file and suspend" is no longer going to work.  What I am wondering now is if a 66 year old files and suspends prior to the deadline, can his 64 year old spouse take advantage the way we used to?  Or is that over?  I have a client whose husband “filed and suspended” at age 66 before the new rule went into effect.  Under the old rule  W could immediately file for her benefits pre age 66 and then when she turns 66 take a look at the numbers and switch to spousal support or she could wait and let the spousal support grow until age 70 at which time she can see if 1/2 of H's benefit would be more than what she can get from Spousal support.  

I have read some articles on this but it isn't clear whether this is still available for the wife under the new rules.

I have used "Social Security for Dummies" in the past, however, the version at the book stores does not seem to reflect the new change in the law.  Anyone know of a good source that has been published after the change?

Josh

Joshua F. Grant, PS
Attorney at Law
P. O. Box 619
Wilbur, WA 99185
tel 509 647 5578
fax 509 647 2734
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