Put simply, if your client wasn’t 62 years of age in 2015 (really January 1, 2016), the only thing they can do is file for their own benefits. If a spousal ‘boost’ is owed to them (this is owed if the benefit is less than half of their spouse’s PIA at FRA), it should be paid out automatically. The question for this group of clients comes down to ‘what age is best to file for Social Security benefits?’, not how should they file.

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