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Can I Delay Getting SS and Instead Get SSI?

I'd like to postpone getting social security as long as I can since the benefits go up the longer I delay up to age 70. Ideally, I'd like to delay getting social security until I am 70.

If I am otherwise eligible for SSI, do I have the option of NOT signing up for social security, even though I could if I wanted to, and getting SSI instead until I am 70 and then, at 70, signing up for social security?


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What is the Maximum Social Security Retirement Check?

The average Social Security check is $1,372 per month, or $16,464 per year.

The highest Social Security check when initiating benefits at "full retirement age" (age 66 if you were born between 1943 and 1954) is $2,788 a month, or $33,456 a year.

The highest Social Security check when initiating benefits at age 70 is $3,680 a month, or $44,162 a year.

Three Questions to Ask Before Claiming Social Security

1. Am I in good health?

If yes, consider deferring benefits.

2. Will my claim affect anyone else?

Higher-earning spouses often benefit by waiting until their full retirement age or later to sign up for Social Security.

3. How reliant will I be on Social Security income?

If you don't have much in savings, and are in good health, consider continuing to work.


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