Congress recently eliminated 2 lucrative Social Security claiming strategies for most Americans. Shop Bankrate today for the best rates strategy high-yield 1-year jumbo CDs. There are a few things to keep in mind. For those reasons, waiting until at least full retirement age to begin benefits ssi often, though not always, the best strategy. Free calculators strategy the AARP and T. Previous Next 1 of 4. That strategy is no longer available. But spousal benefits still will be a viable option for people married to and in some cases, divorced from higher earners. To file and suspend, the applicant must have reached full retirement age. Previous Next 2 of 4. Minor children can be eligible for Ssi Security benefits if a trading has reached retirement age. As with spousal benefits, the child benefit can be up to half of trading the retiree receives. To qualify, children must be unmarried and under the age of 18, or under 19 if they are a full time student in high school, or any age if they have a disability that started before age The parent must be receiving retirement benefits or have filed and suspended an application by May 1, Previous Next 3 of 4. Retirees will have to be receiving benefits to allow family members to also get checks. Also, Congress did away with the option of getting lump sum payment dating back to the date of suspension for people strategy change their minds. Going forward, though, people who started Social Security early can still suspend their benefits once they reach full retirement age. People who can get by without the benefits — because they have work income or can tap other retirement funds — can use suspensions to significantly increase the check they get for trading rest of their retirement. Compare rates today on 2- 3- and 5-year CDsall on the same page! 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