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I just came across this today and I can't help but be a little upset. Last year, a bill passed in the dead of night that reduced the benefits of married couples and divorcees who were younger than 62 before January 2, by up to $60,000. This "new" law prevents people who reach the age of 66 from providing spousal benefits to their spouse or children while their retirement benefit grows. One exception is for those who filed their retirement benefit, but suspended before April 29.
It also makes it to where spouses who were not 62 before Jan 2, HAVE to file for their retirement benefit when they file for their spousal benefit. Social security won't pay two benefits at once, so they have to choose the larger of the two benefits, losing one. Those who reached 62 before Jan 2 , can still collect their spousal benefit between 66 and 70, then take their own retirement at 70.
There were no public hearings on this law, or congressional debate. The gist here, is that congress just cut many American's Social Security benefits by tens of thousands of dollars. Which results in many people having to take their retirement benefits earlier at lower levels than planned. It just feels like the age that folks are able to retire, increases ever 5 to ten years. If someone waits until they are 70 to collect their retirement benefit, it will be 76% higher than it would be if someone decided to collect at 62.