New and Old Approaches to Social Security

As we say good bye to two Social Security filing tricks at the end of this month many people are left wondering how they will file in order to get the most that they can out of Social Security. Some are still eligible for these closing loopholes through being grandfathered in, but the majority are left out. A few more strategies have surfaced, however none as clever so far. One strategy mirrors the file and suspend in that a couple will collect benefits early based on one while waiting until 70 to collect on the others. In this situation the couple is getting the most out of the higher earner by waiting for their benefits to maximize while collecting the lower earners benefits. This has the added security in that should the higher earner pass before collecting then the surviving spouse could then still live off of the matured benefits of the deceased. For more information, visit this article by Dan Caplinger with The Motley Fool.


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