https://www.kitces.com/blog/congres...untary-suspension-social-security-strategies/ This does not effect me but I want to post the info. In a nutshell - the loophole allows retired spouses to collect a third marital social security benefit while allowing their individual social security benefits to continue to grow until age 70. (Husband reaches FRA - full retirement age, 66 and files for SS but suspends the payments thereby allowing his SS to continue to grow at 8%/yr until 70. This allows the wife to file and collect spousal benefits, 50% of his benefit at FRA, while continuing to let her own SS grow 8% until age 70.) I think this might also be possible at age 62 with a spousal benefit of 30%? The bill to close this loophole will give anyone who is eligible before the end of 2015, six months to take advantage of the file and suspend strategy.