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Finding “free” spousal benefits – the Restricted Application

In this article by Laurence Kotlikoff appearing at Forbes, the author of syndicated column “Ask Larry” narrates a conversation he had with friends wherein he found they were missing out on spousal benefits they had been entitled to for years. That’s because, unbeknownst to the husband, he was eligible to file a “restricted application” for spousal benefits as soon as his wife filed for her own Social Security benefits. Thus he had missed those “free spousal benefits” since that time. He goes on to explain that same benefit is available to divorced couples, provided one of the couple was born before the cutoff date after which the option was eliminated by Congress (NOTE: The cutoff date in the article is incorrectly specified as “those born before January 1, 1954”; the correct date is “before January 2, 1954”). Click here to read more.

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