Alert
Close

Help Decide the Future of Aging. Join the White House’s Live Stream From Cleveland Monday. Learn more

AARP's Social Security Q&A Tool

If my projected Social Security benefit is larger than the maximum monthly benefit, can I still take advantage of delayed retirement credits?

Yes. The maximum benefit is for those who have reached full retirement age (FRA). If your projected monthly benefit is $2,663 (the maximum monthly benefit for someone reaching FRA in 2015), you can still take advantage of delayed retirement credits between the year you reach FRA until you reach age 70. So, you would technically receive more than the maximum amount.

submit a question to
AARP EXPERTS

Didn’t see the answer to your question? Help us improve the tool by submitting your Social Security question. Go

Search Social Security Q&A Tool

Enter a keyword to get all the answers to your Social Security questions.

Discounts & Benefits

From companies that meet the high standards of service and quality set by AARP.

UPS Store membership discount aarp benefits

Members save 15% on eligible products/services, 5% on UPS shipping at The UPS Store®.

membership adt

Small business owners save 20% on new installation of any new ADT security system.

Woman holding smartphone in city, Google map tool

Members can find discounts on the go via the AARP® Member Advantages Offer Finder mobile app.

Member Benefits

Renew today! Members receive exclusive member benefits & affect social change.