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* There is no advantage to waiting past 70 to take your retirement benefit or past full retirement age to take spousal or widow(er) benefits.
* Already collecting? Consider suspending and restarting your benefits later.
* Working longer may mean higher benefits for you and your family.
* Your parents may be entitled to survivor benefits.
* Divorced? Think before remarrying.
* Multiple marriages? Multiple benefit choices.
* Delaying retirement benefits can help your survivors.
* If you take two benefits at once, you lose one of the two.
* Get divorced a day too early and you could lose tens of thousands of dollars in divorced spousal and divorced widow(er) benefits.
* If you make a mistake in your retirement benefit filing decision and wait a day too long to fix it, too bad. You’re stuck.
* Depending on their level and your other income, 50 to 85 percent of your Social Security benefits may be subject to federal income taxation.
* Social Security can change its rules.
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