[stylin19a]

that is correct. It works best if both spouses are at or near FRA and qualify otherwise.

I looked at this and looked at this an I kept thinking, the USA is broke and we are doing this ? are we stupid ?

Here’s a decent explanation.

https://www.thebalance.com/social-security-rules-for-restricted-applications-2388915

the book I mentioned in my prior post is a “must have”...

good luck

happy hunting...

[Oorang]

Thanks, I appreciate your help.