Fifty-two percent of married Social Security beneficiaries receive at least half their total income from Social Security. Optimizing the claiming decision is critical to making sure they maximize their income. I want to take an opportunity to explain one way to do that: the “file and suspend” strategy for married, two-earner households. This approach has the potential to provide a couple with income from the Social Security system for several years without reducing their long-term benefits. The strategy is well understood by financial planners, and yet many individuals are still unfamiliar with it.

Source: Maximize Social Security Benefits: File And Suspend | AIER