Hi Larry: I've purchased your software, thank you. Questoin: I am single (divorced in 1978 after 3 year marriage). At FRA am I REQUIRED to file for SS benefits (I'm planning on claiming at age 70) via file and suspend, or can I simply wait until age 70? I assume the +8%/yr. is applied if I wait until age 70 to file - is this correct. Thanks very much.