For millions of Americans, Social Security is a major source of income during retirement. But what if you could collect even more? Many retirees don’t realize they’re leaving money on the table simply because they don’t know the tricks to maximize their benefits. Here are seven strategies you should know to ensure you’re getting the most from Social Security.
1. Work for at Least 35 Years
Your Social Security payment is based on your highest 35 years of earnings. If you don’t have 35 years of work history, the Social Security Administration fills in those missing years with zeros, which lowers your benefit. Even working a couple of extra years to replace lower-earning ones can give you a higher monthly check.
2. Delay Benefits Until Age 70
Although you can start collecting Social Security at 62, every year you wait increases your monthly check. If you hold off until age 70, your benefit could be about 76% higher than if you claimed early. This strategy is especially useful if you have a long life expectancy and can afford to wait.
3. Take Advantage of Spousal Benefits
If you’re married, divorced, or widowed, you may be eligible for spousal benefits, which could be up to 50% of your spouse’s full retirement benefit. Even if you never worked or earned much less than your spouse, this can significantly increase the amount you receive each month.
4. Keep Working After Claiming Benefits
Many people don’t realize that continuing to work after claiming Social Security can actually boost their benefits. If your current income is higher than some of your past earnings, Social Security will automatically adjust your payments to reflect your new, higher earnings.
5. Pay Attention to Cost-of-Living Adjustments (COLA)
Social Security benefits increase with inflation, thanks to annual cost-of-living adjustments (COLA). In 2025, for example, Social Security recipients saw a 2.5% increase in their benefits. Keeping track of these adjustments ensures you’re getting the full amount you’re entitled to.
6. Avoid Common Claiming Mistakes
One of the biggest mistakes people make is claiming Social Security too early without considering the long-term impact. Once you start receiving benefits, you’re locked into that payment amount (except for cost-of-living increases). Before making a decision, consider factors like your health, financial situation, and other sources of income.
7. Look Into Additional Benefits
Beyond standard retirement benefits, Social Security offers extra assistance through programs like Supplemental Security Income (SSI) for low-income individuals and the Medicare Part D Low-Income Subsidy. Checking your eligibility for these programs could mean more money in your pocket each month.
Maximizing your Social Security benefits doesn’t require complicated financial maneuvers—just a little awareness and strategic planning. By using these overlooked strategies, you can increase your monthly payments and enjoy a more comfortable retirement.
