I delayed my retirement benefits for exactly 4 years from age 66 (FRA) to 70, and will soon start collecting. I’m trying to locate my PIA to estimate spouse’s benefit. Is it on my Social Security Statement or online? If not, is my current PIA simply my benefit at age 70 reduced by 32% (4 years of delayed credits)?

Hi. For some reason Social Security stops providing benefit estimates online to people who are currently getting benefits. But, yes, you could calculate your approximate primary insurance amount (PIA) by dividing your age 70 rate before deductions by 1.32.

Best, Jerry