The reason I’d like to do this is because I have a child that will still be young enough to qualify for dependent benefits for about eight years. I also believe that my wife wil

In theory, it's a good thing that Social Security lets older Americans choose when to sign up for benefits. Though your benefits are based largely on your earnings history, your filing age also determines how much money you receive each month.

The Social Security Administration is crucial for American retirees. Understanding benefit calculations can help maximize your monthly income. Learn how to optimize your benefits, even if you haven't worked for 35 years.