Ask Larry: Are There Disadvantages To Filing A Restricted Application For Spousal Benefits Only?

Ask Larry: Are There Disadvantages To Filing A Restricted Application For Spousal Benefits Only?

Economic Security Planning, Inc.

Today’s column addresses questions about potential downsides to filing a restricted application, how the earnings test is applied, applying for spousal benefits, the accuracy over time of SSA benefit estimate and potential effects of survivor benefits based on a spouse’s record. Larry Kotlikoff is a Professor of Economics at Boston University and the founder…

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