In Part 6, from our Social Security Event earlier this year, Expert, Mr. Tom Clark, continued with the meat of Social Security, Retirement Benefits …. that Social Security Provides. Part 1 Here , Part 2 Here , Part 3 Here, Part 4 Here, Part 5 Here, and Direct Audio Here on our site for your viewing/listening pleasures:
Delaying Full Retirement Benefit and Important Spousal/Widow Understanding

While about 50% of retirees take Social Security at 62 with another huge portion taking the benefit at FRA or Full Retirement Age – there are some folks that delay benefits – here is why
- Why would folks delay Social Security Retirement Benefits?
- Delayed Retirement Benefits – an ANNUAL 8% increase in benefits
- Annual increase until age 70
- Cannot wait past 70
- Possible 32% increase in benefits
- Spouses/Widow DO NOT GET an increase- Don’t wait past FRA for spousal benefits
- Spouse would receive higher monthly benefit upon death if delayed benefit
The most important item in this section is the Spousal/Widow benefit – it does not make sense for the spouse to wait for delayed benefit if claiming benefits from a spouse – there have been some rule changes making this more difficult.
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Click Here for Direct Link to All Parts Audio Posted on our Special Social Security Page
Have a Great “Delayed Benefit and Spousal No Accrual” Day!
John A. Kvale CFA, CFP