Archive - January 19, 2015

Uncoupling File & Suspend

Uncoupling File & Suspend

suspended bridgeBy now you should be somewhat familiar with the File & Suspend strategy, where an individual files for Social Security benefits and then immediately suspends them. This strategy is often used so that the individual can enable other dependents’ benefits (such as spousal or children) based upon his or her record, while delaying receipt of his or her own benefits in order to accrue delay credits on his benefit.

What you may not realize is that you don’t have to file & suspend at the same time. These actions can be decoupled – in other words, you could file for …

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