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AARP's Social Security Q&A Tool

If I don't have 40 quarters yet at age 70, can I wait to file for Social Security benefits until I do, even if that is age 75?

En español | Yes, you can wait to file for Social Security until age 75 if that is how long it will take you to become eligible to receive benefits.  However, you cannot earn the delayed retirement credits that increase your benefit until you are full retirement age and have earned your 40th Social Security credit.

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