@article {5774,
	title = {Strange But True: Claim and Suspend Social Security},
	number = {IB$\#$9-11},
	year = {2009},
	institution = {Center for Retirement Research at Boston College},
	address = {Boston},
	abstract = {The brief{\textquoteright}s key findings are:
During the current economic crisis, many older workers are postponing retirement and some retirees are re-entering the labor force.

Re-entrants age 66 and over can put their Social Security benefits {\textquotedblleft}on hold{\textquotedblright} in exchange for higher benefits later.

This {\textquotedblleft}claim and suspend{\textquotedblright} strategy also offers greater flexibility to one-earner couples, allowing the higher earner to delay benefits while his spouse claims.

The potential costs to Social Security are modest.},
	keywords = {Retirement Planning and Satisfaction, Social Security},
	url = {https://crr.bc.edu/briefs/strange-but-true-claim-and-suspend-social-security/},
	author = {Alicia H. Munnell and Golub-Sass, Alex and Nadia S. Karamcheva}
}
@article {5776,
	title = {Strange But True: Claim Social Security Now, Claim More Later},
	year = {2009},
	institution = {Center for Retirement Research at Boston College},
	keywords = {Retirement Planning and Satisfaction, Social Security},
	url = {http://www.advicenter.com/AgentUploads/2124608992/ClaimSSNowClaimMoreSSLater-BostonCollegeStudy.pdf},
	author = {Alicia H. Munnell and Golub-Sass, Alex and Nadia S. Karamcheva}
}
@article {5775,
	title = {Strange But True: Free Loan from Social Security},
	year = {2009},
	institution = {Center for Retirement Research at Boston College},
	keywords = {Retirement Planning and Satisfaction, Social Security},
	url = {http://www.investmentnews.com/assets/docs/CI6088349.PDF},
	author = {Alicia H. Munnell and Golub-Sass, Alex and Nadia S. Karamcheva}
}
@article {10780,
	title = {Unusual Social Security Claiming Strategies: Costs and Distributional Effects},
	number = {WP$\#$2009-17},
	year = {2009},
	institution = {Center for Retirement Research at Boston College},
	abstract = {When to claim Social Security is one of the most important decisions Americans
face when approaching retirement. Recently, several unconventional claiming strategies
have come to light {\textendash} {\textquotedblleft}Free Loan,{\textquotedblright} {\textquotedblleft}Claim and Suspend,{\textquotedblright} and {\textquotedblleft}Claim Now, Claim More
Later{\textquotedblright} {\textendash} that have the potential to pay higher lifetime benefits to some individuals,
increasing system costs. In the {\textquotedblleft}Free Loan{\textquotedblright} strategy, an individual can claim benefits at
a given age and later repay them and file again, obtaining an increased benefit from the
delayed filing. This strategy is equivalent to a {\textquotedblleft}no interest{\textquotedblright} loan from Social Security
and could potentially cost the program as much as $11 billion a year. {\textquotedblleft}Claim and
Suspend{\textquotedblright} allows an individual to claim benefits and then immediately suspend them,
either to put his own benefits on hold if he reenters the workforce or to allow his spouse
to claim a spousal benefit while he continues to work and earn delayed retirement credits.
The potential cost of allowing couples the option of {\textquotedblleft}Claim and Suspend{\textquotedblright} is about $0.5
billion dollars a year. In the {\textquotedblleft}Claim Now, Claim More Later{\textquotedblright} strategy, a married
individual claims a spousal benefit while delaying claiming his own retired worker
benefit in order to build up delayed retirement credits. This option could potentially cost
Social Security $10 billion a year. Of the three strategies, {\textquotedblleft}Claim and Suspend{\textquotedblright} appears
to have the clearest policy rationale as it provides an incentive for individuals to work
longer. },
	keywords = {Social Security},
	url = {https://crr.bc.edu/working-papers/unusual-social-security-claiming-strategies-costs-and-distributional-effects/},
	author = {Alicia H. Munnell and Sass, Steven A. and Golub-Sass, Alex and Nadia S. Karamcheva}
}
