[bankwalker]

Thanks E.

[E. Pluribus Unum]

Here is the response I got from our advisor:

---

Because you turned 62 before January 2nd, 2016, we are still able to take advantage of the "Restricted Application".

https://www.ssa.gov/planners/retire/deemedfaq.html

This is from the article you sent me:

"Who can still file and suspend?"

If you were born before Jan. 1, 1954, then you may still file a restricted application to receive a spousal benefit based on your spouse's earnings record, so long as he or she is drawing a benefit. Your own benefit can continue to grow until age 70 as before. You still must have reached your full retirement age to do this."