Should The Medicare Hold Harmless Rule Affect Our Filing Strategy?
I'm using your strategy to increase our benefits, but in the meanwhile found a sorta gotcha involving our Medicare payments. While we're waiting for my wife to turn 66 to file for her FRA benefit (her's is much less than mine and I will at that time file for spousal and wait until I'm 70 for my benefit and then change her's to spousal) our Medicare Premium has increased from $121.80 to $134.00 because we do not currently receive Social Security benefits to have the premiums deducted from. As soon as she begins benefits (and thus my spousal) we will lock in the rate at $134.00.