(available to all beneficiaries)
The new law (effective November 2, 2015) leaves on the table the ability to Voluntarily Suspend benefits for the purpose of accruing Delayed Retirement Credits. An example would be if you started benefits prior to full retirement age, and decided this was a mistake or the funds are no longer needed. The catch in the new legislation is that when a client suspends his benefit, all benefits paid from his/her record are also immediately suspended (spousal or family). The new law requires that a beneficiary must be receiving his/her own benefit before other benefits will be paid from his/her record.