[mmac321]

Now I am not 62 yet but I read this somewhere a couple of years ago and will ask SS if I can do at the appropriate time. I will take SS when I turn 62. When my wife turns 62 she will take the spousal benefit (half of my monthly benefit while I still take my full SS monthly benefit) she will suspend her SS benefit and it will continue to grow. At the appropriate time she will take her higher SS benefit. I have heard that if a spouse has not worked a day in their life they are eligible for this spousal benefit. There are lot's of ways to manipulate your SS benefit. Like I said I haven't tried this yet but it may be worth looking into. You may wish to start reading SS benefits on the net under AARP. Good Luck!!