I am 67.5 years old and stopped working at 62. I know I was eligible at my FRA of 66 to take my social security benefits, but have delayed in order to earn several months of DRC's. I am worried that I should I have already filed and suspended at FRA 66 and will therefore lose these DRC's? I also have a disabled adult child who will transition off of SSI to my benefit. Thank you for your help.

Hi,

You can still accrue delayed retirement credits (DRC) even if you don't file for and suspend your benefits at full retirement age (FRA). There is no difference in the crediting of delayed retirement credits whether you file for and suspend your benefits at FRA or simply wait until after then to apply for your retirement benefits.

You may want to consider using our maximization software to compare your options in order to determine the best overall filing strategy for you and your child.

Best, Jerry