At a recent workshop about Maximizing Social Security Benefits given at the Senior Center, Karen Chan from the University of Illinois Extension discussed a strategy known as File and Withdraw. Karen pointed out certain risks or issues with that strategy including the fact that the rules might change. As she predicted, these rules did change and she was thoughtful enough to get in touch with me again about these changes. If this is a strategy that you have used, these rule changes could be very important to you. For a more detailed explanation of these changes, follow this link to Karen's blog.