Updated Thursday, October 23, 2014 as of 2:37 PM ET

Social Security Tips: How to Use File & Suspend

An especially popular strategy for maximizing Social Security benefits is to utilize the file-and-suspend rules. These permit an individual to file for benefits but suspend them immediately, allowing delayed retirement credits to be earned while letting the spouse begin spousal benefits simultaneously. They can even be used to activate family benefits for young children.

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