3 Reasons Your Social Security Benefits Might Increase After You’ve Claimed Them

From Nasdaq MarketSite: 2025-06-23 03:36:00

  1. Social Security benefits may increase over time due to cost-of-living adjustments and continued work, leading to larger monthly payments for retirees. Automatic COLAs based on inflation trends have resulted in benefit increases most years since 1975.
  2. Earning income while on Social Security can increase benefits by replacing zero-earning years in the benefit calculation with reported wages. Part-time jobs exceeding top-earning years may also result in larger benefit checks.
  3. Undoing a Social Security claim once in a lifetime allows retirees to boost benefits by signing up again at a later age after withdrawing the initial application and repaying benefits received. Understanding Social Security rules can help maximize benefits in retirement.



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