There are no real planning options left for your husband since he is turning 70 in a few months and will take social security at that time. Also, since you were not 62 by January 1, 2016, then the new law that goes into effect on May 1 did void your ability to file a restricted application.

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Discover destinations worth every mile. You’ve earned the time. Now make the most of it.

From First Job to Retirement—Plan Smart

Your free decade-by-decade guide to building a confident, fulfilling retirement.

Your Retirement Guide

101 Tips for a Smooth Transition