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Old 10-19-2017, 06:30 PM   #41
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Ok that makes sense, Thanks heaps as I thought we may not be able to do this. We were going to claim one of us at fra and one at 70, so this gives us around another 48k while we wait for his 70 to come along.
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Old 10-20-2017, 03:18 AM   #42
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here is good explanation kitces did on the subject .

https://www.kitces.com/blog/navigati...ication-rules/
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Old 10-21-2017, 05:24 PM   #43
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Shown below is an updated link on SS strategies, including a good discussion on tax implications which I had not fully considered.

http://research.prudential.com/docum...wsroomFS&cid=1
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Old 10-21-2017, 06:09 PM   #44
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My DH and I consider ourselves very,very lucky to be born when we were.

Both my DH and I have used the ACA for health insurance since it's start. I turned 65 a year ago, and am on Medicare. He is turning 65 this January so goes on Medicare and avoids all this mess with ACA. Yippee!

PLUS!!!! I start my social security in January at 66 yrs, and he will delay his until 70, but will apply to collect 50% of mine starting in January, 2019. That's almost $58k additional income over the four years until he starts his own social security.

We feel lucky indeed.
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Old 10-21-2017, 06:32 PM   #45
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Quote:
Originally Posted by atmsmshr View Post
Shown below is an updated link on SS strategies, including a good discussion on tax implications which I had not fully considered.

http://research.prudential.com/docum...wsroomFS&cid=1
Atmsmshr, very good article, thank you for posting it. I have bookmarked for future reference, it will be very helpful to me.
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Old 10-21-2017, 09:04 PM   #46
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Originally Posted by CRLLS View Post
I plan to file for the 50% spousal benefit next year. I made the cutoff date for this loophole by about 1 year.
No such thing as a loophole in the law. The law is the law. Use it as you see fit & to your advantage if you can & so choose. To say something is a loophole is political imo.
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