In fact, very specific language was written into the Social Security rules in the year 2000, detailing both strategies and how retirees could use them.
It appeared they wanted to give people the incentive to delay claiming their benefits and it worked.
Most experts agree that people should delay claiming their Social Security benefits as long as possible because the longer people delay, the bigger their Social Security check.
Change may be coming to your Social Security claiming strategy.
Included in the recently enacted Bipartisan Budget Act of 2015, signed by President Obama on November 2, were some significant changes to Social Security.
The spousal benefit entitles one spouse to receive up to 50 percent of the other spouse’s regular benefit. Both strategies, however, allowed one spouse to claim and receive a spousal benefit while they continued to delay claiming their own regular benefit.
So while they were waiting to maximize the size of their regular benefit they still received some Social Security income in the form of a spousal benefit.