Dear Larry,

Larry, I'm now 69 and did the file and suspend with my wife getting her SS as a non-working spouse when she turned 66 in 2013. I pay my Medicare every 3 months by credit card. This year 2016, my Medicare went up because I send in the payments due to the file and suspend, as I await 70. The medicare payment went up for me and not my wife since hers is deducted for her SS payment. As I see now the CPI appears to be low for 2016 and if I wait till my April 2017 birthday (70). I would most likely get another increase on Medicare Payments. Am I ahead or should I file in Nov.

Larry, Read your article in John Mauldin's blog.. I am 76 and have not taken my SS or Medicare, my concern is should I pop off unexpectedly that my wife Janet is able to apply for and receive her benefits. Are you available on a consulting basis ? I am somewhat dyslectics and find extracting information form the written word a struggle, thus my request for direct contact. I look forward to your reply... Frank

Dear Frank,