Replies

I had it explained to me by the social security rep at the court house. This option is still open to us due to our age.

I am drawing SS. My wife is 63, at age 66 she can apply for SS, then suspend it and draw off of mine which is $500 per mo more than what hers would have been. When she turns 70, she stops drawing from mine and starts drawing hers. During this 4 year period her account grows to more than what she was drawing off of mine by about $300 per mo. Her take home pay effectually doubles.

This sounds convoluted, but this is what I read off the SS website, and exactly how the SS rep explained it to me.

Since she is 63 years of age in 2015, this “loophole” is still open to her. In other words, she can still do it. This change in the law applies to “The amendments made by this subsection shall apply with respect to individuals who attain age 62 in any calendar year after 2015.” as quoted from HR1314