More Discussion on Social Security’s “Restricted Application” Provision

Social Security writer Tom Margenau, in a post today on’s business page, examines the confusion that still exists concerning the former “file and suspend” and the still-in-effect “file and restrict” strategies used by married couples to maximize their benefits. “File and Suspend,” he explains, has been gone for some time now (it was phased out as part of the Bi-Partisan Budget Act of 2015), but many filers today express confusion between that and the Restricted Application option still remaining in effect for certain filers. In Q&A format, Margenau illustrates how the “file and restrict” (a.k.a. “the Restricted Application”) can still be used–for a limited time, anyway–to maximize lifetime benefits from Social Security. Read Margenau’s post here…

For those unfamiliar with the mechanics of filing strategies like those discussed in the article referenced above, the AMAC Foundation offers a free-to-the-public service that can help. With a staff of trained and NSSA-certified advisors on hand to answer questions about the complexities of Social Security, this service is offered as a ready source of assistance to America’s seniors. Learn more about this service via the Foundation’s website…


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