For millions of Americans, Social Security is a cornerstone of retirement income. Here are seven smart moves you can start today to boost your Social Security check before year-end. But what many don’t realize is that with the right strategies, you can actually increase your monthly benefits. As 2025 heads toward its final months, now is the perfect time to take action.
1. Delay Claiming If You Can
The longer you wait to claim Social Security (up to age 70), the bigger your monthly check. Even delaying for a few months into 2026 instead of rushing in late 2025 can result in higher lifetime benefits.
2. Maximize Your Earnings Record
Social Security calculates benefits based on your highest 35 years of income. If 2025 isn’t yet one of your peak earning years, working a little longer or increasing your income can help replace lower-earning years in the formula.
3. Pay Attention to the Earnings Limit
If you’re still working while receiving benefits and you’re under full retirement age, your earnings above the annual limit could temporarily reduce your check. Staying under this threshold in 2025 avoids penalties and keeps your payments intact.
4. Check for Spousal or Survivor Benefits
Married, widowed, or divorced? You may be eligible for spousal or survivor benefits. Reviewing your options before year-end ensures you’re not leaving extra money on the table.
5. Correct Errors in Your Social Security Record
Mistakes in your income history can lower your benefits. Log in to your mySocialSecurity account and verify your 2025 earnings are recorded correctly. Fixing errors before the year closes helps secure a bigger check.
6. Take Advantage of COLA Adjustments
The Cost-of-Living Adjustment (COLA) for 2026 will be based on inflation data from 2025. Staying informed about COLA updates ensures you know exactly how much extra you’ll get starting in January.
7. Reduce Debt and Boost Savings Alongside Benefits
While not a direct change to your Social Security, reducing debt and building savings now can make every benefit dollar stretch further. Pairing smart personal finance with benefit strategies is key to maximizing retirement security.
Conclusion: By making these seven strategic moves before December 2025, you can position yourself for a stronger Social Security payout in 2026 and beyond. From delaying your claim to checking for errors, every small step adds up to bigger lifetime benefits.
Disclaimer: This article is for informational purposes only. For personalized advice, always consult with the Social Security Administration or a licensed financial advisor.
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