This strategy works as long as you were born before Jan 2, 1954.
Quote:
Originally Posted by JoelJohnson
The amount you get is based on the highest 35 years of inflation adjusted earnings. If less than 35 years, an amount of zero is used. If the wife is younger and earns less then the husband, he might take the spousal benefit when he hits FRA until he hits 70 at which time he collects his own. Of course the wife will apply for SS early, since she will get difference between what she was getting and what he was getting to bring her up to his SS amount.
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