Javascript is not enabled.

Javascript must be enabled to use this site. Please enable Javascript in your browser and try again.

Delayed Retirement Credits Can Boost You Above 'Maximum Benefit' Skip to content

From ‘liquid biopsies’ to precision medicine, these five developments will change cancer care in the next decade. Learn more.


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

En español | Yes. The maximum benefit is for those who have reached full retirement age (FRA), which is currently 66 and is gradually rising to 67 over the next several years, and whose work income exceeded Social Security's maximum taxable earnings for at least 35 years. If your projected monthly benefit is $2,861 — the maximum monthly benefit for someone reaching full retirement age in 2019 — you can still take advantage of delayed retirement credits between FRA and age 70. So you would technically receive more than the maximum amount.

Updated December 17, 2018

Join the Discussion

0 | Add Yours

Please leave your comment below.

You must be logged in to leave a comment.