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" ... Hi Will, First note that you're conflating filing a restricted application with filing for and suspending your own retirement benefits. When you file a restricted application, it means that you are restricting the scope of your application to a specific type of benefit, such as spousal or survivor benefits. That can allow a person to potentially collect spousal or survivor benefits while allowing their own retirement benefit rate to keep growing. They can then later file an unrestricted application when they want to start drawing their own retirement benefits. ... "
" ... In other words, by conflating thinking with feeling, we can impair our ability to think clearly. ... "
" ... Just don't make the common mistake of conflating filing a restricted application for just your spousal benefits with the completely separate act of filing for and suspending your own retirement benefit. These are mutually exclusive — if you do one, you can't do the other. Best, Larry ... "