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Posted: 4/14/2015 1:43:36 PM EDT
I never thought I would make it this far, especially some times in Nam.

I have a full time job I don't want to leave. Some people are blessed

Do I qualify for full benefits?? I guess I'm asking what are my options?  Thanks

Link Posted: 4/14/2015 2:31:11 PM EDT
[#1]
SSA Retirement chart
It looks like you are at full benifits at 66.
You may be in bonus territory now.

Retirement Planner: Delayed Retirement Credits
The benefit increase no longer applies when you reach age 70, even if you continue to delay taking benefits. 

Increase for Delayed Retirement
Year of Birth*Yearly Rate of IncreaseMonthly Rate of Increase
1933-19345.5%11/24 of 1%
1935-19366.0%1/2 of 1%
1937-1938 6.5%13/24 of 1%
1939-1940 7.0%7/12 of 1%
1941-1942 7.5%5/8 of 1%
1943 or later 8.0%2/3 of 1%
Note: If you were born on January 1st, you should refer to the rate of increase for the previous year.
View Quote


There are several links on the fist link You can follow for more info.
Link Posted: 4/14/2015 3:54:21 PM EDT
[#2]
Delay until age 70 to get the maximum benefit possible.

Are you married?  How old is your spouse?  You can do a "file and suspend" if your spouse meets certain requirements.
Link Posted: 4/14/2015 6:03:48 PM EDT
[#3]
Discussion ForumsJump to Quoted PostQuote History
Quoted:
Delay until age 70 to get the maximum benefit possible.

Are you married?  How old is your spouse?  You can do a "file and suspend" if your spouse meets certain requirements.
View Quote


I am married. When I graduated high school my wife was in the 5th grade, I'm  67 this year
Link Posted: 4/15/2015 1:05:25 PM EDT
[#4]
A file an suspend strategy wouldn't work in your case then.

The best strategy would be to wait until age 70 when benefits stop increasing and then file unless you would be in a bind otherwise.  It sounds like you would be ok with working until at least 70 so I'm assuming you wouldn't need it.
This also ensures your wife will be getting the most survivor benefit possible at the time of your demise.

Here is a flyer from the Social Security Administration on the subject:
http://www.socialsecurity.gov/pubs/EN-05-10147.pdf
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