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File for and then delay benefits explained here

Tom Margeneau is an expert of Social Security rules and regulations who writes articles nationally.  He devotes this week’s column to people turning 66 before Jan. 2, 2020.  They can use a legal loophole allowing them to file for spousal benefits on a spouse’s Social Security record (assuming that spouse is getting or is eligible for benefits) — and then delay taking their own retirement benefits until age 70, at which point they can switch to their own retirement account and get a 32 percent bonus tacked on to their monthly benefits.  Read full 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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