#theinsurancelady

[mzsweetsuga]

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[tinatamale]

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[asktheinsurancelady]

Social Security...changing the rules again.

Married couples will have fewer claiming options.

By Friday, April 29, 2016—about six months after the bill’s signing—people who have not yet filed for Social Security benefits will no longer be able to use the program’s “file and suspend” rule. This claiming strategy has permitted one member of a married couple to file for Social Security, thereby enabling a husband or wife to file for a spousal benefit. (Or other family members to file for ancillary benefits.) The spouse, meanwhile, could suspend his or her own retirement benefit, which then could grow due to delayed retirement credits by 8% a year. The changes also will end the ability of anyone born in 1954 or later to file what’s called a restricted application and collect only a spousal benefit while letting their own retirement benefits rise by 8% a year for up to four years, until age 70. Instead, filing for spousal benefits will be deemed by Social Security to also trigger a person’s own retirement benefit. The agency will pay only an amount that is roughly equal to the greater of the two benefits. Right now, deeming only applies to benefits claimed before age 66, but the new law will eventually extend it to older filers as well.

Find out more options here:

http://time.com/money/4105571/new-social-security-claiming-rules/

TheInsuranceLady

[mzsweetsuga]

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[mzsweetsuga]

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[mzsweetsuga]

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[mzsweetsuga]

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[mzsweetsuga]

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[mzsweetsuga]

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[mzsweetsuga]

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[mzsweetsuga]

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[mzsweetsuga]

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[mzsweetsuga]

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[mzsweetsuga]

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[mzsweetsuga]

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[mzsweetsuga]

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