Is it possible to claim a spousal Social Security benefit while waiting for your own benefit to grow?
Answers | 4
The new rule that phases out the restricted application strategy only affect people born on Jan. 2, 1954, or later, Hope this helps!
What this means in English. You need to be age 62 or older as of December 31 st 2015. Your spouse has to be filing for his benefit or have "filed and restricted" before April 30th of 2016. You need to be full retirement age (66- 67) to file a restricted application for a spousal benefit.
If you are born after Jan 1, 1954, or younger than age 62 as of 12/31/2015 you can only file for one benefit either your own benefit or the spousal benefit whichever is higher. No more deferring you own benefit while claiming 1/2 of your spouses, Jim Biasotti Roseville, CA.