On Nov. 2, President Obama signed into law a budget deal that affects certain Social Security claiming strategies. The changes mainly affected two strategies that helped retirees increase their lifetime benefits: File-and-suspend: A strategy in which one spouse (typically, the higher earner) files and suspends a claim for benefits to allow delayed retirement credits to accrue while enabling the other spouse or a dependent to claim benefits on the higher earner’s … [Read more...] about Social Security Changes And Your Retirement Picture