Q: I am about to turn 62. I am trying to decide if I want to retire and take my Social Security now; or wait until age 66 to get higher benefits. I know everyone has to make a similar decision. But I have a bit of a twist. I have a 14-year-old daughter, and I know she is due benefits on my account until she is 18. I am wondering: Can I file for her Social Security now and defer my own until age 66? Or can I "file and suspend" my benefits so that she can get hers?
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