Q: My husband will retire in August 2016 at age 70 and begin collecting on Social Security. I am 61, turning 62 in July of 2016. Are there any benefits to my husband filing for Social Security before the deadline for these changes?
A: 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.