Retired in America

Your Guide to a Confident Retirement

  • Home
  • Personal finance
  • Retirement Life
  • Saving & Spending

9 Social Security Secrets to Maximize Your Benefits in Retirement

September 11, 2020 · Retirement Life

Don’t delay spousal benefits

While you should wait to claim your own Social Security benefits to get a higher amount in retirement, there’s no need to do the same when it comes to collecting spousal benefits when you reach your full retirement age.  The spousal benefits are limited at 100%, so if you’re at least 62 years old, it’s alright to claim them; they won’t offset or affect your own benefits.

You might also be interested in reading 6 Things that Might Happen to Social Security if Trump Gets Reelected!

A senior man smiling thoughtfully in a sunlit room, symbolizing the patience of waiting for higher benefits.
A man enjoys coffee in a sunroom, showing how patience can help maximize your future retirement benefits.

Take your spouse’s benefits instead of yours

If you earned less than your spouse and contributed less to the Social Security program, the option of waiting to claim your earned benefits in order to optimize them might not work in your favor. Your best would be to claim your own benefits and wait until full retirement age to switch to your spousal benefit. It’s true that your benefit will remain reduced but at least you’ll get a full spousal benefit based on your spouse’s earning records.

See also 10 Mistakes That Reduce Your Social Security Payments.

Pages: 1 2 3 4 5

Share this article

Facebook Twitter Pinterest LinkedIn Email

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Search

Latest Posts

  • A senior woman looking thoughtfully at her phone in a bright, modern home office. 6 Social Security Scams You Need to Pay Attention to
  • A happy retired couple enjoying the sunset on a beautiful porch. 8 States to Retire For Less Than 45K a Year
  • A retired couple looking at a map on a sunny balcony overlooking a beautiful coastal town. 10 Countries to Retire Where $150K Is More Than Enough
  • A happy retiree working on a laptop on a sunny patio, symbolizing flexible part-time work. 20 Great Part-Time Jobs For Retirees
  • A senior couple smiling while looking at a tablet in a bright, modern kitchen. 5 Crucial Medicare Changes Coming Soon
  • A senior couple happily unpacking groceries in a bright, modern kitchen. 9 Ways to Shop at Costco Without a Membership
  • A happy retired couple stands on the porch of a beautiful, sunny home, symbolizing an affordable and joyful retirement. 10 Best Places to Retire That Won't Break the Bank
  • An older man confidently using a laptop in a sunlit home office, symbolizing digital security. 7 Common Passwords To Avoid
  • A retired couple looking out a window in their bright, downsized modern home. 11 Mistakes to Avoid When Downsizing Your Home
  • A retired couple smiling on a balcony overlooking a scenic coastal village at sunset. 12 Best Countries to Live Perfectly Well on Social Security

Newsletter

Get retirement planning tips, savings strategies, and lifestyle insights delivered to your inbox.

Related Articles

7 Social Security Scams You Need to Pay Attention to

Threats Whether you get a sudden phone call or a voice message, saying that your…

Read More →
Active seniors laughing together at a sunny outdoor waterfront cafe during golden hour.

15 Best Retirement Cities With the Most Seniors

Discover the top 15 U.S. cities with the largest senior populations, offering specialized healthcare, tax…

Read More →

Should You Retire Abroad?

If you’re planning on retiring but retirement communities are not your go-to destination, living overseas…

Read More →
A happy retired couple walks along a sunny coastal boardwalk at sunset.

12 Locations You’ll Love to Retire To

Discover 12 exceptional U.S. retirement locations carefully selected for their healthcare access, tax friendliness, affordability,…

Read More →

13 Truths About Retirement No One Wants To Talk About

Your golden years may come with some unexpected issues if you haven’t managed to plan…

Read More →
A happy retired couple stands on the porch of a beautiful, sunny home, symbolizing an affordable and joyful retirement.

10 Best Places to Retire That Won’t Break the Bank

Discover the 10 best affordable places to retire, balancing low housing costs, tax-friendly policies, and…

Read More →

The Pandemic Cut Into Your Retirement Savings? Here’s How You Can Recover

Consider relocating If you’re mostly done with your mortgage, or, even better, you’ve managed to…

Read More →

12 Smarter Options You Should Try Before Raiding Your Retirement Funds

Emergency Fund An emergency fund is just what its name suggests: a fund designated for…

Read More →

10 Do’s and Don’ts You Have to Consider Before Moving During Retirement

An older man holds a family photo while video chatting, proving that relationships are worth…

Read More →
Retired in America

Your Guide to a Confident Retirement

Inedit Agency S.R.L.
Bucharest, Romania

contact@retiredinamerica.com

Trust & Legal

About Us

Editorial Policy

Advertiser Disclosure

Frequently Asked Questions

Contact Us

Disclaimer

Terms and Conditions

Privacy Policy

Subscribe

Unsubscribe

Categories

  • Personal finance
  • Retirement Life
  • Saving & Spending

© 2026 Retired in America. All rights reserved.