File and Suspend

Was The File And Suspend Rule Abolished?


Hi. I read the updated edition of Get What's Yours before Christmas and I confess that I may not have retained some information that I need. I am confused about the "File and Suspend" rule. Was it abolished by the most recent Obama era legislation, or can I still claim it when I turn 66 on October 27, 2019? I was born on 10/27/53 and am single -- never married. No dependents.


Hi A,

Can You Help Me Understand The File And Suspend Rule?


Current age: 651/2
Spouse: Deceased

I wanted to take advantage of the file and suspend rule:

I wanted to claim my ex-husband's benefits and freeze my benefits until a later time. However the social security agent told me that I could not do it because my spouse's amount was smaller so I could not file and suspend.

I thought that I could collect his at the lower rate until I was ready to claim mine.

Can you you help me understand.


Is There Any Reason Why I Should Register For My Benefits And Suspend Them Before Age 70?


I am employed full time and turning 69 in September. I have not registered for Social Security and don't intend to start collecting until age 70. Is there any reason why I should register and suspend before then?


Not unless you have some special reason to do so. You'll receive the same amount of delayed retirement credits (DRC) whether you file for and suspend your benefits until age 70, or if you simply wait until age 70 to apply.

Best, Jerry

Can You Confirm This?


Can you please confirm the Social Security (SS) strategy called “File and Restrict” is A). Is a different strategy than “File and Suspend”, the latter no longer permissible; B). File and Resyrict is still available. Two sources inform me File and Restrict is still available: They include 1). A SS agent in person during an on-site meeting & 2). an AARP SS expert who responded in writing. Two other sources inform me it is not available both were SS personnel, one on the phone & one st the front window of a SS office. Thank you.


Can My Father File And Suspend So That My Mother Can Start Collecting Spousal Benefits Now?


My mother is 69 this year (1949) and father is 65 this year (1953). My mother applied for early benefits at age 62. Since my mother is older than my father she was unable to claim spousal benefits which would have been a greater benefit than receiving benefits based on her earnings. My father plans to retire at age 66. I just learned about file and suspend - possibly a bit too late. Can my father file and suspend so that my mother can start collecting spousal benefits now? Or should they just wait to file until my father reaches full retirement age next year?