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Social Security & The Restricted Application
Tom Hager, writing in Forbes, provides a primer on Social Security’s restricted application. Its purpose has always been to allow a qualifying spouse to collect spousal benefits only, while deferring their own worker benefit up to age 70 if they wish, thus earning delayed retirement credits. An additional advantage is it provides the highest survivor benefit to the surviving spouse. The restricted application is not available to people who have never been married, and there are other qualifications. Read Hager’s 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.