PensionPlus makes it easy to delay claiming using our Social Security Boost program. If you enroll in the Boost program, we’ll automatically use your savings to fund your retirement until you claim Social Security. Once you do claim, we’ll adjust your withdrawal from savings based on your higher benefit from Social Security.


1.  Wait to claim benefits: You can claim Social Security benefits as early as age 62, but the amount of your benefit will be reduced if you claim it before your full retirement age (which is 66 or 67 depending on your birth year). Waiting to claim benefits until your full retirement age or later can increase the amount you receive. 

2.  Consider your other income sources: The amount of your Social Security benefit may be reduced if you have other sources of income, such as a pension or earnings from part-time work. It can be helpful to consider how these other sources of income will affect your Social Security benefit when deciding when to claim it.