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Social Security changes — devil is in the details

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The federal budget deal that President Obama signed Monday eliminated 2 strategies that allowed married couples to share Social Security benefits in ways that could potentially increase their net income by more than $50,000 over their lifetimes.

These strategies, known as "file-and-suspend" and "filing a restricted application for spousal benefits," have allowed both halves of a couple to delay claiming benefits based on their own earnings records.