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Time is Running Out for Action Before Elimination of Benefit Provisions

April 29 is looming as the deadline for taking action to benefit from the soon-to-disappear provisions titled “file and suspend” and “restricted applications.” The first of these provisions previously allowed one spouse to draw benefits while the other suspends payments and allows their eventual benefits to grow via delayed credits, while the other allowed a spouse to file and draw benefits equal to one-half of the other spouse’s allowable benefits, even though the other spouse is not drawing. The benefit in this latter provision is that the beneficiary’s eventual benefits can continue to earn delayed credits to age 70, at which point the restricted filing can be withdrawn and replaced t the higher level. Confused? Check out this article by Jim Brogan posted on…


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