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Experts at Maximize My Social Security have answered more than 10,000 questions about Social Security over many years. Search for your questions and answers here.
Should I Use The Start-Stop-Start Filing Strategy?
I am working 64 , turning 65 this year and plan to retire in June 2017. My spouse is receiving SS benefits for the past 4 years. Is the Start-Stop-Start strategy something we could benefit from if I postponed my retirement until age 66?
Hi,
Probably not. The start-stop-start strategy normally means filing for reduced benefits prior to full retirement age in order to permit a spouse or children to receive benefits, voluntarily suspending benefits at full retirement age (or later), then resuming benefits at age 70.
Since your spouse is already drawing benefits, what you should probably do is file a restricted application for spousal benefits only at age 66, then file on your own account at age 70. You may wish to run the maximization software available on this website in order to make sure that's your best option.
Best, Jerry
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Posted:
July 14, 2016