Key Points Skipping Social Security could increase survivor benefits available to your loved ones after your death. Delaying Social Security benefits increases your monthly checks until you qualify for your largest benefit at 70. Whether this is the right move for you depends on your age and finances. The $23,760 Social Security bonus most retirees completely overlook › Most people want to maximize their lifetime Social Security benefits after spending decades paying into the program, but if you have family members depending on your survivor benefits after you're gone, sometimes the right move is to avoid claiming checks altogether while you're alive. Doing this will increase the benefit available to your family members once you're gone.
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