file and suspend
- A discontinued strategy allowing married retirees of varying ages to maximize Social Security benefits by having the higher-earning spouse apply for, then pause, their benefits to boost the lower-earning spouse's benefits and their own future payout
- The couple sought advice about the file and suspend method to maximize their Social Security benefits.
- Despite the changes to Social Security policies, some couples still inquired about file and suspend.
- Understanding the history of Social Security, like the file and suspend strategy, helps in planning retirement.