/Delay and Gain
Delay and Gain2018-10-29T09:40:22+00:00

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.

Helpful Reading

Can You Pass The Retirement Marshmallow Test?

In a famous experiment, a child is given a classic problem: Eat a marshmallow now or wait for a bigger reward. Isn’t that how most people face retirement or financial planning? Live now and hope for the best later? As in the experiment, a little self-control and savings discipline goes a long way to ensuring financial comfort in retirement.

When Should I Start Taking Social Security? 60-somethings Want to Know

Don Mitchell loves his job as a software engineer, has no plans to retire, and doesn’t turn 60 till next March. But he’s already begun pondering a weighty question facing most Americans in their early 60s: when to begin collecting Social Security benefits.

The Numbers Keep Pushing Retirees to Hold Off on Taking Those Social Security Checks Until 70

The most common age that people choose to start collecting their monthly Social Security payments is 62.

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.

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.

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.