Similar to discussions about "reforming Social Security". We were told that any changes wouldn't affect people over age 55. Then in the dark of the night, behind closed doors, without public hearings or input, any press reports, even from AARP, congress inserted Section 831 into the Budget Reconciliation Act of 2015 signed into law Nov 2, 2015. This section eliminated Social Security flexible benefit claiming strategies such as "file and suspend" and "restricted applications" and affected everyone under who were under age 62 as of Dec 31, 2016. Those flexible benefit claiming strategies were once popular with the affluent who had financial planners, people who took the time to study the program, and other finance geeks (me). Then the Great Unwashed started using those strategies. Then those strategies were deemed loopholes and, of course, had to be eliminated. Since I was only 60 when the law was signed we were out of luck. It cost me and my wife over $57,000 in 2016 dollars.