Millions of people are unaware of the idea of the quiet rule that could increase your Social Security check by 32%, which means a significant boost in the benefits you receive by delaying the start of your Social Security benefits until you reach age 70. However, this is not a secret rule; it’s just that many people are unaware of this potential increase and the strategies available to achieve it. If you claim your benefits at age 70, there will be an 8% increase annually. This increase in benefits ensures financial stability for survivors, retirees, and individuals with disabilities. Here is everything you need to know about this boost in your benefits up to 32%.
Millions Could Get a 32% Bigger Social Security Check
The highest monthly benefits will be received by waiting until the age of 70 for Social Security benefits. This is for the one who wants to maximize their monthly income and thus can afford a delay in receiving benefits from Social Security. For every year, there will be an approximately 8% increase in the monthly benefit by delaying receiving retirement benefits beyond your full retirement age, which is between 66 and 67 based on your birth year. If you live into your late 70s or beyond, then it will significantly boost your income.
Overview of Boost Your Social Security Check by 32%
| Article On | Millions Could Get a 32% Bigger Social Security Check – This One Trick Could Increase Your Payment |
| Country | The United States of America |
| Department | Social Security Administration (SSA) |
| Maximum benefit | $5,108 |
| Delayed Retirement Age | 70 |
| Beneficiary | SSA Recipients Only |
| Category | Government Aid |
| Official Website | ssa.gov |
The “Quiet Rule” in Action
You are eligible to receive the benefits amount, and imagine if your full retirement benefit is $2000. Then,
- If your FRA is 66 according to your birth year, and you wait until 70 to receive the benefits, then you will get a 32% increase in your benefits, reaching $2,640.
- If your FRA is 67 according to your birth year, and you decide to delay claiming until age 70, you will get about a 24% increase, reaching $2,480.
Strategies to Boost Your Social Security Check
Everyone wants to maximize their benefits, and for that, there is a need for thoughtful planning and strategies that are crucial to maximizing Social Security benefits.
Delay Benefits Until Full Retirement Age
If you wait until the age of 70, which is included in the Delayed Retirement Age, then your monthly payment will increase and reach its maximum benefit up to 32%, which is $5,108. Waiting to claim benefits until you reach your FRA is a smart decision, if at all possible.
Consider the Continuation of Work
If one continues to work after the age of 62, it may increase the overall benefits. SSA critically computes the average earnings over the maximum 35 years of working.
Working with the Financial Planner
If one is unsure about beginning their SSA benefits, individuals can look for a financial planner. The financial advisor can help one build a plan for increasing the benefits.
Spousal Benefits
A married couple also grants the advantage of spousal benefits, so if the social security benefits of your spouse are more than yours, then you can claim a benefit based on your spouse’s work record to get a higher payment.
Monitor Your SSA account.
The website of SSA allows you to create a free account to see the history of your earnings and benefits projections, which further helps you identify potential challenges that could affect your security benefit amount.
Changes in Social Security Age 2025
Retirees’ birth year is used by the SSA to determine their Full Retirement Age (FRA). The eligible recipients are qualified to get 100% of their earned Social Security payment at that age. U.S. retirees born in 1959 will attain their FRA, that is 66 years and 10 months, in November 2025. Compared to individuals born in 1958, who attained FRA at 66 years and 8 months, that is two months later. The FRA will arrive in October 2026 if eligible retirees were born in December 1959. Congress began raising the full retirement age from 65 to 67 in 1983, and the FRA hikes are a part of that gradual change.
Who qualifies for the $1,508 Social Security amount?
| Claiming age in 2025 | Maximum monthly benefit |
| 62 | $2,831 |
| 67 (Full Retirement Age) | $4,018 |
| 70 ( Delayed Retirement Age) | $5,108 |
How to select when to have Social Security assistance?
The benefit amount that you will receive over your lifetime will depend on the age at which you choose to start claiming the Social Security benefit.
These are the few factors that might be considered when to start to claim for Social Security benefits includes-
• The retirement savings you own.
• The savings that your spouse owns or is entitled to.
• Your well-being and whether you can endure working more.
• Your transition into retirement or your choice to continue working.
Final thoughts
While delaying your benefits is a powerful strategy but it is also important to consult a financial advisor for more detailed information and personalized advice, who can direct the complexities of Social Security and further develop a strategy according to your needs. Keep in mind that the key to successful retirement planning is the development of informed decisions depending on the different situations.
| Official Website | Click Here |
| Homepage | Moyle-Council.org |
FAQs
What is the Full Retirement Age (FRA)?
The 100% retirement benefits that eligible retirees get upon attaining a specific age under the Social Security Benefits program are referred to as the Full Retirement Age (FRA).
Can you collect Social Security after age 70?
After reaching the age of 70 or older, you can claim your retirement benefits you Waiting beyond age 70 will not boost your benefits.
What is the highest Social Security benefit possible?
The maximum Social Security retirement benefit is $5,108 that you could receive in 2025 for those who delay their claim until the age of 70.
