Social Security “file and suspend”


Q. I was born in August 1953 and my wife was born in July 1954. Neither my wife nor I have filed for Social Security benefits. My wife will not qualify for benefits based on her own work record. Under the new law, am I still eligible to use the strategy known as “file and suspend” so my wife can collect spousal benefits when she turns 66?

A. It is my understanding that the “file and suspend” strategy for claiming Social Security benefits is no longer allowed, regardless of your age.


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Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to and view his blog at

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