Your Action Plan
Maximizing Social Security isn’t about gaming the system; it’s about claiming exactly what the law entitles you to. Don’t assume the Social Security office will automatically offer you the highest option—often, you have to ask for it specifically.
- Check Your Earnings Record: Log in to ssa.gov/myaccount to verify your work history is accurate.
- Find Your Marriage Certificate (and Divorce Decree): You will need official proof of marriage dates to claim spousal or divorced benefits.
- Run the Calculator: Use the SSA’s online calculators to estimate benefits for both you and your spouse (or ex-spouse).
- Ask specifically about “Restricted Application”: If you are a survivor, use this exact terminology when speaking to an SSA representative to ensure you preserve your right to switch benefits later.
Taking an hour to review these rules today could result in hundreds of extra dollars in your bank account every single month for the rest of your life.
The information in this guide is meant for educational purposes. Your specific circumstances—including income, debt, tax situation, and goals—may require different approaches. When in doubt, consult a licensed professional.
Last updated: February 2026. Financial regulations and rates change frequently—verify current details with official sources.
