One Social Security Move Boomers Used to Boost Their Checks Is Now Off-Limits to Almost Everyone Else.
Quick Read The Bipartisan Budget Act of 2015 killed the restricted application strategy for anyone born after January 1, 1954, closing it to all new claimants by 2026. Deemed filing now forces spouses to claim both spousal and personal retirement benefits simultaneously, eliminating the ability to collect one while the other grows. Couples can still…
The Bipartisan Budget Act of 2015 killed the restricted application strategy for anyone born after January 1, 1954, closing it to all new claimants by 2026.
Deemed filing now forces spouses to claim both spousal and personal retirement benefits simultaneously, eliminating the ability to collect one while the other grows.
Couples can still delay the higher earner’s benefit to 70 for roughly 8% annual growth, and sequence survivor benefits separately from retirement benefits.
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Picture a couple in their mid-sixties. Linda spent 35 years as a hospital administrator; Mark earned less as a school counselor. As they plan their Social Security claims, Linda remembers the move her older sister used years ago. She collected a spousal check while allowing the benefit on her own work record to grow until 70. Then she then dropped the smaller payment and switched to her larger one.
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Linda assumes the same door is open for her. It is not. The strategy remains alive in family conversations, old articles, and retirement forums. The people now reaching claiming age keep discovering that a birth-date cutoff placed it beyond their reach.
The Strategy Gave Couples Two Switches
Under the old rules, someone who had reached full retirement age (FRA) could file a restricted application for spousal benefits only. Once the other spouse had claimed, the applicant could collect up to 50% of that worker’s full-retirement benefit while leaving their own untouched. Their benefit then earned delayed-retirement credits of roughly 8% a year until 70. At that point, they switched.
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Suppose Linda’s benefit would be $2,400 a month at 67, while a spousal benefit on Mark’s record would pay $1,000. Under the old strategy, she could have collected $36,000 over three years while allowing her own payment to grow to approximately $2,976. The $1,000 did not make her retirement benefit larger. It simply gave her another check to collect while the larger one matured.
Congress Wired the Two Switches Together
The Bipartisan Budget Act of 2015 preserved restricted applications only for people born on or before January 1, 1954. Anyone born after that cutoff generally falls under expanded “deemed filing” rules. When Linda applies for either her retirement or spousal benefit, Social Security treats her as applying for both. The agency pays her own benefit first. If the spousal amount is higher, it adds enough to bring the combined payment up to that level.
Because Linda’s $2,400 retirement benefit exceeds the $1,000 available on Mark’s record, filing for the spousal benefit would immediately trigger her own. She cannot choose the smaller check while leaving the larger one to grow. The old rules offered two switches. Linda’s application turns on both at once. Born in 1961, she missed the cutoff by several years. Everyone protected by it is already past 70 in 2026, so the strategy has little practical use for anyone making a new claiming decision today.
A Spousal Benefit Still Exists
The spousal check did not disappear. What did was the option to collect it by itself while another benefit grew in the background. Social Security still compares a spouse’s own benefit with the amount available on the other partner’s record. If the spousal amount is higher, the agency fills the gap. Waiting until FRA can bring the total to as much as half of the worker’s full benefit; starting sooner shrinks it.
Waiting longer does not bolster that regular spousal amount. Its greater value may appear later, because delaying the higher earner’s check can leave the surviving spouse with more to live on.
What Couples Can Still Coordinate
Three decisions remain useful under the current rules:
The higher earner can delay. Waiting from 67 to 70 still adds roughly 8% a year to that worker’s retirement benefit. The household gives up checks now in exchange for a larger monthly floor later.
Survivor benefits can be sequenced separately. Deemed filing does not force someone to claim retirement and survivor benefits together. A widow or widower may be able to collect one first and switch to the other later. Delaying the higher earner’s benefit can also leave the survivor with more income.
Divorced spouses retain an independent filing rule. After a marriage lasting at least 10 years, an unmarried former spouse may qualify on an ex-spouse’s record. If the divorce has lasted at least two years, the ex may not need to have claimed yet. The restricted application is still unavailable to people born after the cutoff, but independent eligibility can open the spousal benefit sooner.
Plan Around the Rule That Survived
Linda and Mark should not build their retirement income plan around the sequence her sister used. Their useful choices are how long Linda delays her larger benefit, when Mark claims, and how much income the survivor may eventually need.
Savings, part-time earnings, or withdrawals from retirement accounts may help Linda reach 70 without Social Security. Health, taxes, and the couple’s need for income now may point toward filing sooner. Those decisions still move. The restricted application does not. Its reputation survived long after Congress closed the door.
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