file and suspend has a large constituency of average folks. Congress would get an earful if they changed it.Please.Were you around in 1987 when Congress decided to impose income tax on SS benefits? Your money is taxed when you pay into SS, and again when it is paid out to you. Same money, taxed twice.Yeah, Congress got an earful. And passed it anyway.Also, when SSA starts to run out of money benefits are going to be cut automatically for *everybody*. You can bet that tricks that some people use to get more money will be under the gun.