Social Security Q&A: Is It a Good Idea to File and Suspend then Switch to Spousal?


Today’s question asks if it would be advisable, with an older spouse, to file for and suspend receipt of a retirement benefit at full retirement age and also file for a spouse's benefit. The answer explores a strategy based on the fact that filing and suspending is not necessarily an advisable strategy for everyone and explains how an alternative to filing and suspending can lead to an increased retirement benefit.

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