| Age 65 1/2 or older by Oct. 29, 2015 (born April 30, 1950, or earlier) |
Age 62 or older in 2015 (born 1953 or earlier, or on Jan. 1, 1954) |
Under age 62 in 2015 (born Jan. 2, 1954, or later) |
||
|---|---|---|---|---|
| Currently married | File and suspend | Still available at FRA*, must file by April 29, 2016 | Not eligible | |
| Restricted application | Still availabe at FRA* if otherwise eligible for spousal benefits | Not eligible | ||
| Unmarried divorced spouse (Previously married > 10 years) |
File and suspend | Not applicable | ||
| Restricted application | Still available at FRA* as long as former spouse also > age 62 |
Not eligible | ||
| Parents with dependent/disabled | File and suspend | Still available at FRA*, must file by April 29, 2016 | Not eligible, but can still start-stop-start | |
| Surviving spouse | File and suspend or restricted application | New rules not applicable. Can still independently choose timing of when to start survivor and individual retirement benefits. | ||
| Individual | File and suspend | Must be FRA* and complete file and suspend by April 29, 2016, for future reinstatement | No future lump sum reinstatement | |
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