Javascript is not enabled.

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

Can I Wait Past Age 70 to File for Social Security Benefits? Skip to content

Medicare open enrollment ends Dec. 7! Get the information you need from AARP’s Medicare resource center.


If I don't have 40 Social Security credits at age 70, can I wait until I do to file for benefits?

En español | Yes, you can wait to file for Social Security until you are 71, or 75, or however long it takes to become eligible to receive benefits.

However, you cannot earn the delayed retirement credits that increase your benefit until you have earned your 40th Social Security credit, even if you are past full retirement age when that happens. 

Published October 10, 2018

Join the Discussion

0 | Add Yours

Please leave your comment below.

You must be logged in to leave a comment.