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Those turning 66 this year (including anyone who turns 66 on Jan. 1, 2020) and who have not yet filed for Social Security benefits still have the opportunity to consider filing a restricted application for spousal or ex-spousal benefits before filing for their own retirement benefits, says Heather Schreiber, the founder of HLS Retirement Consulting.

Here's how it works, according to Schreiber.

If you are considering postponing your claim to earn delayed retirement credits, and your spouse has already filed for benefits, you may elect to restrict your filing, once you reach your full retirement age (FRA) to 50% of your spouse's primary insurance amount (PIA), says Schreiber.

"You can continue to collect this spousal benefit until as late as age 70 or, if earlier, when you file for your own retirement benefits," she says. "The same applies to those born prior to Jan. 2, 1954 who were married for at least 10 years and later divorced, currently unmarried, and whose former spouse is either receiving his/her benefit or is at least entitled and the divorce occurred two years prior to the claim."

Read more from the Social Security Administration's Benefits Planner.

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