As I have been warning for years now, the Social Security system is over loaded and big changes are coming.... On November 2, 2015, President Barack Obama signed into law the Bipartisan Budget Act of 2015. In this act, was a major change to our Social Security Benefits.
The elimination of the "file and suspend" and "file and restrict" strategies by May 1, 2016. This "was" the greatest way for married couples to increase their benefits significantly between the ages of 66 and 80. The details have not been made available as of yet. I will let you know as soon as I know.
Bottom line, the changes are coming. IF, you are at full retirement age 66 or (67 if born 1960+) before May 1, 2016, as of now... it seems you will still be allowed to utilize the strategies and still have your 8% growth to age 70. After that you will not be able to use these strategies.
Take care and be safe
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