Individuals filing for Social Security retirement benefits can request full benefits, early benefits or deferred benefits. If your main concern is to begin receiving benefits as early as possible, you must accept a reduced monthly payment, which cannot be changed. Your spouse would also be locked in to this amount. However, social security file and suspend is an innovative, little-known strategy for married couples that can maximize your social security benefits. This can be a very tricky, yet valuable, option and you will definitely want to discuss the ins and outs of this strategy with a Social Security representative. Alternatively, you may wish to consult with a social security attorney. It is very important to your financial security to understand all the benefits of the file and suspend option before choosing to move forward because, once you choose to go this route, it is an irreversible decision.