Hi, most of the talk about social security obfuscates the actual changes and the direct effect of the changes. A lot is said about midnight changes. I am 63. I guess I could of filed and suspended but the whole process was unclear. 1. What did they take away? 2. How will it affect me. 3. Can spouses collect their own Social Security. We both worked, and I see no need to do a lot of mumbo jumbo unless they are making us combine and take a lower payment. Thanks, Guy

Guy, you cannot suspend until your full retirement age (FRA) so you could not have done by the April 29 2016 deadline to do so under the old rules. While some of the incentives to file and suspend have been eliminated, others remain and it is still absolutely possible to suspend. And spouses, like everyone else, can still collect their retirement benefits. They can also potentially collect spousal benefits based on their spouse's record. Our software is fully updated to reflect the new law and can determine how to maximize your household benefits under the new rules. Thanks, John