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En español | How much will I get from Social Security? When can I get it? When should I get it?
This section of the AARP Social Security Resource Center dives into core questions you face as you approach your retirement years. You’ll find answers on the key factors that shape your benefits, from early-filing penalties and delayed retirement credits to cost-of-living adjustments and Medicare premium deductions. You can also learn about:
Q: Is the Social Security retirement age going up?
Q: If I claim Social Security benefits at full retirement age, when will I get my first payment?
Q: If I retire at 62 instead of my full retirement age, what is the Social Security break-even age?
Q: What is the earliest age I can receive Social Security benefits?
Q: What happens if you wait past age 70 to file for Social Security benefits? Are benefits paid retroactively?
Q: When should I apply for Social Security to start at age 62?
Q: If you retire at any point after age 62, are the benefit reductions prorated by month?
Q: Why does my payment increase if I wait past age 62 to claim Social Security benefits?
Q: If my projected Social Security benefit is larger than the maximum monthly benefit, can I still take advantage of delayed retirement credits?
Q: If I start collecting reduced Social Security benefits early, will my payment increase when I reach full retirement age?
Q: How much does early retirement reduce your benefits?
Q: When should I start collecting my Social Security retirement benefit?
Q: When should I file to get the maximum Social Security benefit?
Q: What is my full retirement age for Social Security?
Q: Can I suspend Social Security benefits and restart them at a higher value?
Q: Can I collect both my own retirement benefit when I turn 62 and a survivor benefit?
Q: What is a representative payee?
Q: Can I stop Social Security benefits and restart them later to get a bigger payment?
Q: How do I change from Social Security survivor benefits to my Social Security retirement benefit?
Q: Can I collect two full benefits at once?
Q: Can I collect Social Security retirement benefits retroactively?
Q: Will my Social Security benefit change if I move to another state?
Q: How do I receive my Social Security payment?
Q: Do Social Security benefits count as income in a Chapter 13 bankruptcy?
Q: Can you collect Social Security benefits while in prison?
Q: What is my Social Security payment schedule?
Q: Will my Social Security benefit decrease if the Medicare premium increases?
Q: If Social Security miscalculates your benefit and underpays you for several years, do you get a back payment?
Q: When can I collect Social Security?
Q: Can Social Security be garnished?
Q: Can I have Medicare premiums deducted from my Social Security payments?
Q: How much Social Security will I get?
Q: How much longer will Social Security be around?
Q: What are delayed retirement credits and how do they work?
Q: How are Social Security benefits calculated?
Q: What is the maximum Social Security benefit?
Q: How does Social Security calculate the COLA?
Q: Do the retirement estimates on my Social Security statement include future earnings?
Q: How does marriage affect my Social Security benefits?
Q: Does the age I start my Social Security retirement benefit affect the amount my spouse will collect when I die?
Q: Can I manage my mother’s Social Security if I have power of attorney?
Q: Can I collect Social Security as a divorced spouse and wait to claim my own retirement benefit?
Q: My spouse died last month. Do I have to return the Social Security payment sent to the bank this month?
Q: What is the family maximum benefit?
Q: Does my spouse's income affect my Social Security retirement benefits?
Q: When I turn 62, can I collect a spousal benefit on my ex-spouse's Social Security record and then switch to my own benefit at full retirement age?
Q: Can I stop Social Security and go back to work?
Q: Does my military pension affect my Social Security benefits?
Q: If don't have 40 Social Security credits at age 70, can I wait until I do to file for benefits?
Q: Does receiving a pension reduce my Social Security benefit?
Q: If my government pension is suspended or reduced, will my Social Security benefits increase?
Q: What is the Windfall Elimination Provision?
Q: Will my Social Security payment increase if I keep working after I start receiving benefits?
Q: If I stop working before I claim Social Security, will my monthly benefit amount be reduced?
Q: I am subject to the Windfall Elimination Provision. How do I find out the effect on my Social Security benefits?
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