Ask Larry

File and Suspend

Can My Wife File & Suspend And Collect Half Of My Social Security?

I was born in November 1944 and my wife in March 1952. I took my social security in November 2010 when I reached full retirement age. I am self employed and my wife is still working and plans to continue
working for the next 3-4 years. She will reach full retirement age around March 2018. Can she file and suspend at that time, and collect half my social security. Right now, I get about $2000/ month on my social security. When should she contact Social Security.

Hi Vijay,

Monday, July 4, 2016 - 13:30

Can I File and Suspend Now?

My husband and is 71 yrs old he started collecting SS at 62. I am 66 yrs old started collecting SS at 62. Can I suspend collecting my SS now till I am 70yrs old to get the 32% increase when I turn 70 yrs old. Thanks, Dee

Hi Dee, yes now that you've reached your full retirement age (FRA), you can suspend your retirement benefit up to age 70 and earn delayed retirement credits of 8% per year applied monthly. But you won't be able to receive a spousal benefit while your retirement benefit is suspended. Thanks, John

Thursday, June 30, 2016 - 13:00

What Should I Do Now?

I will turn 66 late June, 2016. Do I need to do the FILE AND SUSPEND Benefit? I am working at a state agency and plan to do so until I am 70 to get full retirement benefits. I was married for 10 years and have been divorced for 20 years can I file for spousal benefits while still working and then file on my work history at 70 for SS retirement. Thank you for your time.


No, you should not file and suspend. That would keep you from getting a full divorced spousal benefit.

Thursday, June 30, 2016 - 11:00

Can You File and Suspend at 62?

Can a spouse who hasn't worked, draw Medicare A & B from their living spouse (whose possibly still working because the one that's working is 4 years younger) after having been married for over twenty years. I was told that the younger spouse - who's still working- can suspend at 62 and continue to work and the non working spouse could then draw off their record at 66. Thanks, Sadie

Wednesday, June 29, 2016 - 19:15

Should I File And Suspend Now?

I will be 62 in October 2016.

My wife will be 62 in January 2020.

I have been reading your book and plan to enroll into your household website ($40) after I finish the book.

Here is my question:

Assuming we delay taking our benefits until we are at or closer to FRA of 66,

Strategy: I am thinking I should file on 7/1/2016 and then suspend sometime before I turn 62 in October 2016.

Monday, June 27, 2016 - 17:00

Can I Collect a Spousal Benefit Off of My Wife's Work Record

I am 66. My wife is 65. I am the higher earner and have a higher benefit. Are there any SS limitations that would prevent me from claiming a spousal benefit if my wife files at 65 v. 66? Thanks, Art

Dear Art,

No, there are no limitations to your filing just for a spousal benefit starting at 66 because you were 62 on or before January 1, 2016. If you do this, you can wait until 70 to take your own retirement benefit at its highest possible value.

Saturday, June 4, 2016 - 01:15

Can I File and Suspend This June?

In June 2016 I will be turning 66. I am single and have worked as a public school teacher for 6 years. I have worked most of the rest of my career self-employed as an educator. I would like to know if I can still 'FILE AND SUSPEND' my SS Benefits when I turn 66. Is it still possible? (I understand the last date to be able to do this was April 30, 2016). I am hoping to be able to work until I am 70, however, should something come up and I cannot work, I thought this option would be a prudent choice. Please let me know if this is still a possibility for me? THANK YOU, Darlene

Friday, May 27, 2016 - 17:45

Last call to pursue Social Security’s file and suspend strategy!

I’m going to repeat this information one last time, as it is so critical to so many people.

If you a) are between 66 and 70 or will turn 66 on or before April 30, b) have a spouse who was 62 before Jan. 2, 2016 or have young or disabled children (who became disabled before 22 and remained disabled) and c) want to provide them benefits on your work record while your own benefit is suspended (thus, letting it grow through its age-70 maximum amount), you need to file for your retirement benefit and immediately suspend it by or on this Friday!

Tuesday, April 26, 2016 - 20:15
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