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“File and restrict” and maximizing benefits

Tom Margeneau notes that he gets no other question more often from people than in the category of, “how do I maximize my Social Security benefits?”  In this piece he addresses “file and restrict.”  In short, that procedure allows someone who is turning 66 before Jan. 2, 2020 to file for spousal benefits on a husband’s or wife’s Social Security record and then at 70, switch to 132 percent of his or her own retirement benefit.  Read more about that topic in Margeneau’s piece here.

The AMAC Foundation offers a free-to-the-public advisory service to all folks ageing into–or already in–Social Security. This service provides guidance in understanding the complexities of Social Security and the myriad rules and regulations associated with the process for claiming benefits, with NSSA-Certified Social Security Advisors available via email or telephone to discuss options. Learn more about this service via the Foundation’s website.



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