There are several strategies you can use to maximize your Social Security benefits. One key approach is to wait to claim your benefits until full retirement age or even later, as this can result in higher monthly payments. You can also consider delaying your benefits past full retirement age, up to age 70, to earn delayed retirement credits. Additionally, you should ensure that your earnings record is accurate and up to date, as this can impact the amount of benefits you receive.

Yes, you can work and receive Social Security benefits at the same time. However, if you are below full retirement age, your benefits may be reduced if your earnings exceed a certain limit. Once you reach full retirement age, there is no limit on the amount you can earn while receiving benefits.

The best age to start claiming Social Security benefits depends on your individual circumstances. While you can start receiving benefits as early as age 62, your monthly payments will be lower if you claim before full retirement age. On the other hand, waiting until after full retirement age can result in higher monthly payments. It’s important to consider factors such as your health, financial needs, and life expectancy when deciding when to start claiming benefits.