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The 'Split Strategy' for Social Security Filing

Having the lower-earning spouse file earlier, and the higher-earning spouse wait until age 70 can provide a cushion for retired couples early on, while ensuring higher survivor benefits later, says T. Rowe Price's Christine Fahlund.

Adam Zoll: For Morningstar, I'm Adam Zoll.

For married couples nearing retirement, knowing when to claim Social Security and how to coordinate those benefits can be a real challenge.