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Your email address will not be published.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

  • Smiling older park guide handing a trail map to someone against a sunny mountain lake backdrop. 8 Charming Resort Towns Perfect for Retirees Who Enjoy Seasonal Work
  • An older couple stands inside a modern living room looking out a large sliding glass door toward a sunny desert neighborhood. 10 Biggest Reasons So Many Retirees Say They Regret Moving to Arizona
  • Senior man sitting in a wooden armchair on a stone patio holding a mug, overlooking a desert landscape with mountains. 10 Underrated Southwest Towns Where You Can Retire on $1,500 or Less a Month
  • Older couple standing on a screened patio looking at a lake under storm clouds, with bills on a table in front. 8 Reasons You Don’t Want to Retire in Florida, According to Floridians
  • Older man writing with a pencil and woman reviewing an IRS Schedule A tax form at a wooden table with a calculator. What the 2026 Senior Tax Deduction Means for Retirees
  • A man sits at a wooden table in a sunlit kitchen, looking down intently at a financial document. Who Benefits From Trump’s 401(k) Plan (and Who Won’t)
  • A senior man sitting at a wooden table examines an investment portfolio document next to a notebook and coffee mug. 4 Boring Moves To Do Now to Add Hundreds to Your Social Security Check
  • A senior woman sits at a wooden table holding a mug and gazing out a bay window beside a newspaper and open notebook. 9 Things Single or Widowed Retirees Should Know
  • Senior couple sitting at a wooden kitchen table reviewing paperwork and financial notes with a calculator and coffee. 10 Financial Traps That Catch Retirees Off Guard
  • A smiling senior woman reaches into a wooden pull-out drawer filled with labeled food jars in a sunlit kitchen. 15 Simple Fixes for Everyday Senior Life

Newsletter

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

Related Articles

12 Incredible Inventions That Are Beneficial for Seniors

Safety Shower Chair Sometimes, having a shower can be a real slippery slope, literally. But…

Read More →

10 Common Myths That Might Be Killing Your Early Retirement Plans

You will be short on funds How many times have you heard someone saying that…

Read More →

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

Brownsville, Texas  AreaVibes gave the scores for Brownsville and its low cost of living: $35,304/year.…

Read More →

10 Expenses You Don’t Have To Worry About in Retirement

Transportation – Thanks to the pandemic, you already have a sneak peek at how much you’ll…

Read More →
A retired couple in their 60s sits on a sunlit terrace in Portugal overlooking the ocean, looking at a map and tablet together.

The Truth About Retiring Abroad: What Americans 60+ Really Experience

Discover the financial, legal, and healthcare realities of retiring abroad so you can confidently plan…

Read More →

22 Companies With Shockingly Good Benefits, Including Amazing 401(K) Plans!

A smiling couple plans their coastal road trip on a tablet beside a classic green…

Read More →
Older couple walking down a sunny small-town sidewalk past brick storefronts, a hardware store, and a bakery.

The 10 Best Small Towns for Retirees to Stretch a Social Security Check

Discover the 10 best small towns where retirees can comfortably stretch a Social Security check…

Read More →
A retired couple sits on a coastal bench in Maine at twilight, looking out at a harbor with lobster boats.

9 Charming Northern Spots for Retirement

Explore nine charming northern spots for retirement, offering vibrant seasonal beauty, top-tier healthcare, and tax-friendly…

Read More →

30 Dangerous Things to Your Retirement

1. Your Retirement Money Being Drawn Off by Your Grown Children Most parents want their…

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.