480 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.

  6. Want to make sure that I understand. Planning to retire at 62, cancer diag. Not disability eligible. No problem. My husband has a higher ss retirement income. So I can get mine draw up to an identified max from his without effecting his benefits.

    On an aside could I still work part-time 10/15 tele therapy if I became of a mind which currently am not.

    Thank you in advance for attention to my questions and your response.

    • Hi Cecropia, thanks for using our blog. We will always pay your own retirement benefit first. If benefits as a spouse are higher than your own retirement benefits, you will get a combination of benefits equaling the higher spouse benefit. However, keep in mind that a spouse’s benefit cannot exceed one-half of your own full retirement amount (not your reduced benefit amount). So, you are only going to receive additional spouse’s benefits if your own full retirement benefit (not a reduced benefit) is less than half of your spouse’s full retirement benefit (not a reduced benefit). For more details, check out our Benefits For Your Spouse web page.

      Check out our Receiving Benefits While Working web page for details.

  7. I am 69 . Retired but still working a different job which deducts for social security . My social security check has changed very little . Q. My current income from working is about 46K . Not sure why my check has not increased more ?

  8. I was of the understanding that I would never have to communicate my s/s number in any correspondence! Is this just some kind of bullshit?

  9. I have plan to leave US for several years.That means I will have no income.
    Is there some possibility to pay dirrect to SS to keep my retirement amount on better level?

  10. I suspended my benefits in January, 2016. I was 68 years old and still working. I received a lump sum $7482 in spousal benefits during that time. I retired July 2016 and began receiving benefits. My husband was 69 and retired. SSA is saying now that I was overpaid. The agent in the SS office told us to file for that benefit. I am working on a Request for Reconsideration. How should I word the reason I do not agree? Am I entitled to this amount?

    • Hi Katherine, thanks for using our blog. Deemed filing rules do not apply to individuals that turn 62 before January 2, 2016 IF they wait until their full retirement age or later to file. This means that you may file for either your spouse’s benefit or your retirement benefit without being required or “deemed” to file for the other. Check out our Frequently Asked Questions web page for details. Hopefully this will help.

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