I have been reading through the "Ask Larry" entries and have two questions that I haven't yet encountered answers to. First: It is apparent that for my wife to collect survivor's benefits I need to have filed for benefits. I am now 66 and will continue to work full-time in a high-income job through the age of 70. Do I need to "file and suspend" at this time? Second: If I continue to work (same high-income job) past the age of 70, how will my social security payments be affected?