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When to take Social Security Retirement Benefits - Wife early, Husband late

This video discusses when to take Social Security Retirement Benefits for the common case where a husband had higher earnings than the wife.

The strategy discussed here is to have the wife take reduced benefits early, while having the husband delay his receipt of retirement benefits.

The key here is that when the husband passes away first (a common occurrence), the wife will see a step up from her reduced benefits to her spouse's higher benefit level.

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Want to increase Social Security retirement benefits after you've started to receive benefits? Go ahead!

This video shows how to increase your retirement benefits even after you've decided to take payments.

Let's say you took early (reduced) Social Security retirement benefits starting at age 62. Now you want higher benefits. Can you get it? Sure! Just file Form 521 - Request for Withdrawal of Application.

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Social Security Benefit Calculator from Heritage Foundation

This is an interesting short video which shows a rate of return calculator which compares your return on your Social Security taxes with what you might expect if you retained the taxes and invested the money in a stock and bond portfolio.

The calculator is at

Compare this with our Social Security Benefit Calculator.

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Recent Content

Four Common Social Security Claiming Mistakes

1. Not knowing your full retirement age (FRA). 'Full benefit' retirement age is rising beyond age 65 to age 67.

2. Not knowing you can file for benefits three months in advance of receiving income

3. Forgetting Social Security benefits can be subject to income tax.

4. Thinking early filers can later receive 'full benefits'. If filing early, your benefits are permanently reduced.

Seven Social Security Myths

1. Social Security will cover my income needs

2. It's better to take Social Security benefits early

3. I'll receive full benefits at 65

4. Once I start benefits, I can’t work anymore

5. I won't pay taxes on Social Security

6. Once I start Social Security, I have to continue receiving it

7. My divorce will reduce my benefits


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Not affiliated with the US Social Security Administration