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So the only people who could get this benefit were people who were financially extremely well off.
Of course it depends on your definition of "extremely well off". One did need the money available to pay back previously received benefits and also funds to support themselves while the suspension and re-applying was in process. IMO this is not necessarily one who is extremely well off.
To me the big advantage of the process was to establish a higher benefit amount for a surviving spouse at some future time.

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