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Can I suspend Social Security benefits and restart them at a higher value?

En español | Yes. If you have reached your full retirement age (the age at which you are entitled to 100 percent of the benefit calculated from your lifetime earnings) but are not yet 70, you can request a suspension of retirement benefits.

If you can afford to do without your retirement benefit for a few years, this might make long-term financial sense. During a suspension, you earn delayed retirement credits, which boost your eventual benefit by two-thirds of 1 percent for each suspended month (or 8 percent for each suspended year). When you resume collecting Social Security, you’ll have locked in a higher monthly payment for life.

You can request a suspension by phone, in person at your local Social Security office or in writing.

[Editor’s note: Local Social Security offices are closed to walk-in visits due to the COVID-19 pandemic. Many Social Security services are available online and by phone. If you have a "dire need situation" regarding your benefits or need to update information attached to your Social Security number, such as your name or citizenship status, you may be able to schedule an in-person appointment. See Social Security's coronavirus page or call your local office for more information.] 

You can ask Social Security to resume payments at any time until you turn 70. If you haven’t done it by then, Social Security will automatically reinstate your benefits in the higher amount.

Keep in mind

  • A voluntary suspension is for retirement benefits only. There is no such provision for family and survivor benefits.
  • As long as your retirement benefits are suspended, your spouse and children cannot collect family benefits on your work record. Similarly, you cannot collect spousal benefits on your wife’s or husband’s record if your own retirement payments are suspended.
  • If you have not yet reached full retirement age, the only option for stopping Social Security payments is to apply for a “withdrawal of benefits,” a more formal process that, unlike a suspension, requires you to repay Social Security the benefits you have received to date.

Updated October 23, 2020

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