471 thoughts on “How You Can Grow Your Social Security Benefits Beyond Retirement Age

  1. Is there a buy back program where I can increase my monthly payments by buying back early retirement benefits?

    • Hi James, thank you for your question. You cannot get more credits or increase your benefit amount by voluntarily contributing money to Social Security. You can earn credits only by working in a job or your own business that is covered under Social Security. We hope this is helpful.

  2. I would like to know, please, if I qualify for a “Do-Over”. I had to apply for social security at age 62 because I had to go on public assistance. Please let me know.

    Thank you.

    • Hi Marcia, thanks for using our blog. If you apply for Social Security benefits and you change your mind about when they should start, you may be able to withdraw your Social Security claim and re-apply at a future date. However, if you change your mind 12 months or more after you became entitled to retirement benefits, you cannot withdraw your application. Also, keep in mind that you must repay all the benefits that you and your family received. For more information, go to our web page If You Change Your Mind. We hope this is helpful.

  3. Husband is age 66 and claimed SB already. Wife will be 62 in Sep 2020. Can she claim reduced spouse benefit at age 62, then switch to her own benefit at her age 70 to enhance her benefit?

    • Hi James, thank you for your question. She may be able to get spouse’s benefits but, under existing law, if she is eligible for benefits both as a retired worker and as a spouse, she must apply for both benefits and will receive the higher of the two benefits. This requirement is called “deemed filing” because when you apply for one benefit you are “deemed” to have also applied for the other.

      See our Deemed Filing For Retirement And Spouse’s Benefits FAQs web page for details.

      • Is the “Deemed Filing” applied to under FRA only?
        If wife has reached FRA, can she claim husband’s spousal benefit and grows her 8%/yr bonus to age 70, then switch to her own benefit? Thanks.

        • Hi James. If your wife turned 62 before January 2, 2016, deemed filing rules will not apply if she files at FRA or later. This means that she can file for either a spouse’s benefit or her retirement benefit without being required or “deemed” to file for the other. She can restrict her application to apply only for spouse’s benefits and delay filing for her own retirement in order to earn delayed retirement credits. However, if she turns age 62 on or after January 2, 2016, she is required or “deemed” to file for both her own retirement and for any benefits she may be due as a spouse, no matter what age she is when she files. Hope this helps!

  4. My husband received disability benefits at an earlier age. He recently passed away at the age of75. . I draw social security benefits from my own work credits. He received approximately $200 more than I do. Am I entitled to the higher amount now and if so how do I apply. I can’t figure it out on line and wait time on the phone is over an hour. The local office is closed.

  5. I’m Maria D Munoz DOB 04/19/1955 I would like to apply for spouse benefits Jose R Munoz 03/22/1951 Can you please help me
    thank you

    • Hi Maria, thank you for using our blog. You may be able to get spouse’s benefits but, under existing law, if you are eligible for benefits both as a retired worker and as a spouse, you must apply for both benefits and you’ll receive the higher of the two benefits. This requirement is called “deemed filing” because when you apply for one benefit you are “deemed” to have also applied for the other.

      If you are unable or do not want to apply for benefits online, you can schedule an appointment by:
      •Calling us at 1-800-772-1213 (TTY 1-800-325-0778); or
      •Contacting your local Social Security office. Please look for the general inquiry telephone number at the Social Security Office Locator. The number may appear under Show Additional Office Information. Please be aware that our call wait times are longer than normal. We hope this information helps.

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