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.”

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