Retirement Benefits

If I Continue To Work Until Age 70 Will Those Last 4 Years Be Used To Calculate My Benefit Rate?

I will be 66 (my full retirement age) in September, 2018. Upon reaching age 66 I will have only 23 years of employment that will get used to determine my social security benefit and the rest of the years are zeros. If I continue to work until age 70, will those last 4 years replace 4 zeros? Will I then have 27 years of employment that will get used to determine my social security benefit? Or do only the years of employment before full retirement age replace zeros? Thank you very much.

Hi,

Do You Have Any Advice For Increasing My Benefit Rate?

I will be 64 in November. I have been out of work since April 2018. I recently filed for Social Security benefits. I'm still applying for jobs. Any advice to increase my benefits or savings should find a job? Fyi I am single, but was married 17 years. Birth date is Nov 1954. Don't think I can claim under ex-. My benefit at 64 is higher than his full benefit, which he has been getting.

Hi,