Three claiming strategies have recently received a lot of press attention:
• “Borrow and Invest” – an individual can claim benefits and then reclaim at a later date, paying back the money received (without interest) during the interim.
• “Claim Now, Claim More Later” – a married individual can claim a spousal benefit, and then switch to her own retired worker benefit later.
• “Claim and Suspend” – an individual may claim his benefit and then suspend payment, allowing his spouse to claim a spousal benefit.
These strategies were generally designed to encourage work, but are likely to benefit mainly those with substantial resources.