A
recent law eliminated two social security "loopholes," but you may
still be able to benefit in some circumstances. The option to apply for social
security when you reach full retirement age and restrict your claim to spousal
benefits will only be available if you're age 62 by December 31, 2015. The
option to voluntarily suspend your benefits in order to receive them later when
they would be higher will only be available until April 2016.
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