I just heard you discussing this with Steve Bertrend on WGN radio. I read your article a few times and want to make sure I understand my options directly.

I will be 65 at the end of May and my wife is 62. Based on what I read, I cannot file for this program prior to April 29, 2016, correct? Many thanks for your consideration. I look forward to your reply.

Terry Says:  No, because YOU haven’t reached Full Retirement Age.

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