Effective November 2, 2015
If you were born on or before May 1, 1950 – You have six (6) months to file for “File and Suspend”, after that it is gone as a filing strategy.
If you were born January 2, 1954 – You have retained access to “Restricted Application for Spousal Benefits” at 66, provided your spouse has “Filed and suspended” or is receiving benefits. You no longer have the filing strategy “File and Suspend” as an option, unless you were born on or before May 1, 1950 and elected “File and Suspend” by April 30, 2016.
If you were born after January 2, 1954 – You no longer have access to “File and Suspend” and “Restricted Application for Spousal Benefits” and “Retroactive Lump Sum Payment.”
Posted on January 8, 2016 by
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Thank you for your concern. I am sure we could be much bigger than we are but would have to charge much more for our services. We want to help each and every retiree with Social Security decisions. I am a retired CPA of 40 years and found the rules complicated. I bet you are not a CPA. People need help to maximize their benefits. This is our ministry. Thank you for the suggestion, but we will keep it the way it is for now.
Pillars, LLC
I love what you guys are up too.
Thank you. We want to educate the retiring public and help them maximize their Social Security benefits if they are deciding when to retire.
Hi there, great web site you have here.|
Thank you, Shane. We strive to bring the retiring public the information they need to make an informed decision which will stay with them for the rest of their lives.
Pillars, LLC