A Smart Use of Social Security Survivor Benefits – Wall Street Journal – 07/26/14

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A Smart Use of Social Security Survivor Benefits

They Can Provide a File-and-Suspend Strategy for Widows and Widowers

We’ve written about how the file-and-suspend strategy for Social Security benefits can help married couples: The higher-earning spouse reaches full retirement age, files for benefits and delays receiving them in return for a bigger benefit later. Meanwhile, the other spouse, also at FRA, files for a spousal benefit and gets half of the higher earner’s benefit while his or her benefit grows until age 70.

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