My Wife and I Just Used the File-and-Suspend Tactic to Boost Our Social Security Benefits

If you’ll be 66 by April 30, you owe it to yourself to see if this disappearing claiming strategy makes sense for your family.

(Image credit: ©Lise Metzger 2012)

"Aw shucks," or words to that effect, came out of my mouth last November 1 when I learned that Congress had voted to abolish the file-and-suspend Social Security claiming strategy we at Kiplinger had been recommending for years. Selfishly, my discouragement grew in part from the fact that I was just five months short of being able to put the strategy to good use for my family.

Buy Now: Kiplinger's Boomer's Guide to Social Security

Subscribe to Kiplinger’s Personal Finance

Be a smarter, better informed investor.

Save up to 74%

Sign up for Kiplinger’s Free E-Newsletters

Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.

Profit and prosper with the best of expert advice - straight to your e-mail.

Sign up

To continue reading this article
please register for free

This is different from signing in to your print subscription

Why am I seeing this? Find out more here

Kevin McCormally
Chief Content Officer, Kiplinger Washington Editors
McCormally retired in 2018 after more than 40 years at Kiplinger. He joined Kiplinger in 1977 as a reporter specializing in taxes, retirement, credit and other personal finance issues. He is the author and editor of many books, helped develop and improve popular tax-preparation software programs, and has written and appeared in several educational videos. In 2005, he was named Editorial Director of The Kiplinger Washington Editors, responsible for overseeing all of our publications and Web site. At the time, Editor in Chief Knight Kiplinger called McCormally "the watchdog of editorial quality, integrity and fairness in all that we do." In 2015, Kevin was named Chief Content Officer and Senior Vice President.