Social Security Choices

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What About Delaying Benefits?

Unlike Social Security retirement benefits, the spousal benefit does not increase if you wait to take benefits beyond your full retirement age, currently age 66 for most retirees. Thus, there is no advantage in waiting beyond your full retirement age to start taking your spousal benefit. Of course, if the principal beneficiary has not claimed his/her retirement benefits, then you cannot claim spousal benefits regardless of age.