What  is Delay & Gain?

Throughout most of our working lives, we often dream of retirement and its promise of freedom from strict schedules, traffic jams, demanding jobs, overbearing bosses, difficult co-workers, physically tiring work, boredom or lack of wage growth.  The reasons to retire as soon as possible can easily pile up during a working life that spans decades. For many workers, the strong desire to stop working may cloud their decision about when it’s best, financially speaking, to call it quits. This could cause retirees, particularly women, to lose thousands of dollars of Social Security income over the course of their retirement, placing them in potential financial peril.

The Delay & Gain education project is for older workers who are nearing retirement. Our goal is to help near-retirees make informed, financially sound choices through an understanding of the increased Social Security benefits gained by a delay in filing their claim.

Video: How to Receive a Larger Monthly Benefit

Learn why deciding when to claim Social Security retirement benefits is one of the most important decisions a worker will ever make – and how delayed claiming can really pay-off in the long run.

Helpful Reading

Louisville Workers Can Gain Big by Delaying Retirement

Workers in Louisville face a major — and very real — retirement crisis. Wealth inequality and workplace changes have practically sawed off two of the legs of the traditional retirement stool: pensions and private savings.

Delaying Retirement Boosts Social Security Checks

It’s no secret that American workers face a major retirement crisis. Wealth inequality and workplace changes mean more and more retirees have come to rely on Social Security for most of their income.

Advisors Help Clients Tackle the Complexities of Social Security

Eva Dion’s 62nd birthday meant one thing to her husband, Jim. It was time for her to collect Social Security. “I’m from the old school,” Jim, 74, said. “Grab the money while you can.”

NCPSSM Says It Pays Off to Delay Claiming Social Security Benefits

You have an eight-year window to choose to sign up for Social Security to collect your monthly benefit check. Some may be forced to collect Social Security at age 62, because of their finances, health and lifestyle.

One Surprising Way To Live Longer

When thinking about retirement, most of  us see a “cold turkey” end to work. We just quit all forms of employment. But is that the best way to enjoy a long life? According to recent research, the surprising answer may be no.

Opinion: Don’t Make This One Social Security Blunder

When you claim Social Security, don’t make this one really, really dumb move. Nearly half a million of you will probably start claiming Social Security this month.

Report: Most Working American’s Not Saving for Retirement

Less than four months ago, a research report released by the Washington, D.C.-based National Institute on Retirement Security (NIRS), using an analysis of U.S. Census data, found that even with the nation’s economic recovery, savings levels of working age Americans are inadequate for America’s retirees to rely on.

When is the Best Age for Americans to Claim Social Security?

Read this article by NCPSSM President and CEO, Max Richtman, as he discusses the benefits of delayed claiming.

Calculate the Best Time to File Your Claim

The Social Security Administration has provided an online calculator to help beneficiaries learn what their benefit will be depending on when they file their claim.

Frequently Asked Questions

Read what others are asking about delaying their benefits and ask your own questions.


A collection of radio interviews discussing the benefits of delayed claiming.