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!

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
«1 2 3 ... 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Your email address will not be published.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

  • 6 Important Changes to Social Security Benefits in 2026
  • How To Pay Your Taxes With Your Credit Card in 2022
  • 8 Ways To Avoid Retirement Poverty
  • 13 States Where Your Freedom Is Respected
  • 18 Places Where Social Security Is More Than Enough
  • 7 Ways To Budget Your Groceries in Retirement
  • 14 Retirement Cities With Awful Weather
  • 11 States With the Best/Worst Social Security Checks in 2022
  • 10 Best Senior Discounts for 2022
  • 12 States That Tax Social Security Benefits

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 →

Most Important Financial Benefits For Retirees Offered By Each State

Alaska – There’s no state income tax – There’s no state sales tax – homeowners…

Read More →

Are you Self Employed? Here’s The Best Retirement Plan For You

Solo 401(k) As you would probably imagine, solo 401(k) has all the advantages of a…

Read More →

Are Your Retirement Savings Safe? 6 Surprises That May Derail Your Retirement Plans!

Health insurance For many seniors, monthly health insurance premiums could drain their savings significantly. For…

Read More →

10 Simple Ways To Keep Your Joints Healthy

Exercising is one of the healthiest things to do if you want to lose that…

Read More →

The Best Places to Retire If You Can’t Save Up $1 Million

Memphis, Tennessee If music is a big part of your life, consider Memphis. You can…

Read More →

Key Things Retirees Wish They Could Tell Their Younger Selves

We cannot go back in time and do things differently, no matter how much we’d…

Read More →

10 Military Communities Where Vets Can Happily Retire

Alexandria, VA – If you dream of living in a small but charming city on the…

Read More →

10 Secrets about Retirement Your Government Doesn’t Want You To Know

Start saving, keep saving, and never give up – If you’ve already started saving (for anything)…

Read More →
Retired in America

Your Guide to a Confident Retirement

Inedit Agency S.R.L.
Bucharest, Romania

contact@retiredinamerica.com

Trust & Legal

  • Home
  • About Us
  • Editorial Policy
  • Advertiser Disclosure
  • FAQ
  • Disclaimer
  • Privacy Policy
  • Terms & Conditions
  • Contact

Categories

  • Personal finance
  • Retirement Life
  • Saving & Spending

© 2026 Retired in America. All rights reserved.