Dear Larry,
My spouse filed and suspended last year when I turned 66. I filed and I am receiving a spousal benefit. We have used your software and made certain assumptions given our health conditions. Based on these assumptions, the software recommended that my spouse begin drawing her benefit in January of next year. My spouse will be 69 in March. Taking into account the “hold harmless” provisions of Medicare and the likely small cost of living increase for SS, would my spouse be better off beginning drawing in December or earlier this year so she would be held harmless on any . . . Read More