Here are the strategies still available:
1. If you were 651/2 or older by 10/29/2015, then you can
- Still file and suspend. But you need to do it by April 29, 2016!
- File an application restricted to 1/2 of your spouse's full retirement age 66 benefit, if you're married, or previously married for 10 years, divorced for 2 yrs & former spouse is > age 62.
2. If you were 62 or older by the end of 2015, then you can still file for spousal benefits at full retirement age if you are otherwise eligible. In other words, the new laws extended this right for four more years.
Your Constructive Comments are Welcome!