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Claimed Social Security Too Early? There Are Options

Any claiming of Social Security benefits before full retirement age (FRA) comes with a permanent reduction in monthly checks for life.  In fact, even claiming before age 70 (maximum age) will costs you money.  Christy Bieber notes three things you can do if you have remorse over starting Social Security too soon.  Options are:  1. Work and earn enough that you forfeit your benefits to be retrieved later; 2. Rescind your claim altogether, but it must be done before 12 months passes; if you’re eligible; 3. Suspend your benefits if you’ve already reached FRA in order to get that max benefit at 70.  Details here in Bieber’s full article.

The AMAC Foundation offers a free-to-the-public advisory service to all folks ageing into–or already in–Social Security. This service provides guidance in understanding the complexities of Social Security and the myriad rules and regulations associated with the process for claiming benefits, with NSSA-Certified Social Security Advisors available via email or telephone to discuss options. Learn more about this service via the Foundation’s website.


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