Social Security is a complex program that’s loaded with rules, so you might think that to get more money out of it, you really need to be some sort of financial whiz. But actually, you don’t need to spend weeks reading up on every single nuance to find ways to increase your benefits. There are a few simple, straightforward techniques you can use to increase the sizes of your monthly Social Security checks.
The monthly Social Security benefit you’ll be eligible for in retirement will hinge on your specific wage history, and you’ll be allowed to claim that benefit in full once you reach what the government has designated as your full retirement age, or FRA. You can use this table to determine what your FRA is:
Year of Birth