Social Security 4: File, Repay and Refile to Get an Interest-Free Loan (2009-03-23)

by David John Marotta and Matthew Illian

Retirees who delay filing for Social Security until age 70 receive annual payments equal to 132% of full retirement benefits. If you don't mind some added risk, you can combine the file-early and file-late strategies by filing, repaying and then refiling to boost your benefit by an additional 3%.

Read the complete column at http://www.emarotta.com/article.php?ID=329