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Suspending Social Security benefits is a process by which an individual can voluntarily stop receiving benefits for a while. The suspension can last up to four years, and the individual’s benefits will not accrue. However, once the suspension period is over, the individual can restart their benefits and receive back payments for the months they were not receiving benefits.

Reasons for Suspending Social Security Benefits

1. To Increase Your Benefit Amount

One reason is to continue working and accumulating benefits. By doing this, the individual can ensure better financial stability in retirement.

2. To Promote Self-Reliance

Suspending Social Security benefits will force retirees to become more self-reliant. They will have to rely on their resources rather than the government for support. It will promote independence and self-sufficiency.

3. To Eliminate the Risk of Overpayment

If your circumstances change and you no longer qualify for Social Security benefits, you may be required to repay any benefits you’ve received. By suspending your benefits, you can avoid this risk.

4. To Keep Your Benefits from Being Taxed

Some individuals may suspend their benefits to avoid paying taxes on them. When Social Security benefits are first paid out, they are subject to federal income tax. However, by suspending their benefits, individuals can avoid this tax liability.

Things to Keep in Mind Before Suspending Your Social Security Benefits

1. You Must Have Reached Full Retirement Age

To suspend your benefits, you must have reached full retirement age. You can only suspend your benefit, not your spouse’s or dependents. You cannot suspend your payments if you are already receiving benefits and have not yet reached full retirement age. The suspension option is only available if you have not yet received benefits.

2. You Can Only Suspend Your Benefits for Up to Four Years

After the four years of suspension, you will need to start receiving benefits again or risk losing them entirely. If you are still working when you reach the age of 70, you will no longer be able to suspend your benefits. Suspending your benefits is only good if you’re confident you won’t need the extra income in the next four years.

3. Consider Your Financial Situation Carefully Before Making Any Decisions

If you are in good financial health, you may not need the benefits immediately. However, if you struggle to make ends meet, suspending benefits could put you at a disadvantage.

How to Suspend Social Security Benefits

If you’re planning to retire soon, you may wonder how to suspend your Social Security benefits. The process is quite simple. First, you’ll need to contact the Social Security Administration and request a suspension form. Once you’ve completed the form, you’ll need to submit it along with any required documentation. In most cases, you’ll need to provide proof of income, assets, and your current age. Once your application has been approved, your benefits will be suspended until you reach your full retirement age. At that time, you’ll be able to restart your benefits and receive them at the full monthly rate. Suspending your benefits can be a great way to maximize your retirement income.


Ultimately, whether or not to suspend your Social Security benefits is a personal decision that should be made after carefully considering all factors involved. If you think suspending your Social Security benefits is the right move for you, talk to a financial advisor or representative from the Social Security Administration to get started. They can help you understand the pros and cons of this decision and ensure that you make the best choice for your circumstances.