Social Security is far more complicated than most people realize. Questions like: When should I apply? Are benefits taxed? If I continue to work, what is the earnings test if I am receiving Social Security benefits? Can I still maximize my benefits? It is important for anyone born in 1953 or earlier and who has not started drawing their benefits to see what the impact of file & suspend has on maximizing their spousal benefits. The decision you make now will have a HUGE impact on the total benefits you will receive. It is important to have all the facts as you plan for the future. Those attending can request a free report of their own personal claiming strategies.