Social security benefits | How to restart social security benefits

Social security benefits are an essential source of steady income after retirement. This helps a person get rid of all the financial worries after that person crosses the age of 62. There are three tiers of social security benefits, and one can become eligible for them at different ages.

A person becomes eligible for social security at the age of 62. However, since this is not the mandatory age of retirement, therefore they are entitled to only 75 percent of the social security check.

The second tier is of those people who are near the mandatory age of retirement at 65 years, where a person becomes eligible for the full amount of social security check.

The third tier is for those people who either choose to work into their seventies, or they have to work because they have no choice. This group of people is not only entitled to the whole amount but also some more. They receive 132 percent of the social security benefits, which can help them survive their old age.

If you settle for any tier, you will be stuck to that tier however you also have the option to stop and then restart your social security benefits if you can. Now, why would one want to do that, and who is eligible for it. Let us find out?

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Who is eligible to stop and then restart their social security benefit?

Suppose you have filed for social security benefits and want to stop them to refile at a later age for a higher check, you can do so if you have filed it for no longer than a year. If you go over this threshold, you will no longer qualify for a higher tier of social security benefits, and you will be stuck at the lower payment each month.

Now, why would you want to stop your social security payments. Here is why.

Why would one want to stop social security payments?

Suppose you are eligible for social security benefits at the age of 62 and you settle for the lower check to help you survive. All of a sudden you receive something like an inheritance or you win a lottery or something, enabling you to live without your social security check. If you have been receiving the checks for under a year, you can stop the checks for now so that when the time comes, and you need it, you can apply for a higher amount and payout at a later date.

So, if you are receiving 75 percent of the social security benefits right now at the age of 62 and you no longer need them, you can stop those and then reapply for them when you are eligible to apply for a higher tier at the mandatory retirement age or at the late retirement age.

Things to keep in mind

Here are a few things you should keep in mind before trying to stop your social security checks. If you opt in and apply for withdrawal before the year is up, social security is going to treat it as you have never received social security and you will have to repay every single dollar that was paid by them to you. This can include the monthly retirement payment, any family benefits for the spouse or children or any money that was withheld by the social security administration for the payment of premiums like Medicare etc.

You have around 60 days until social security can accept your request. If you change your mind, you can ask them to return your application for withdrawal in those 60 days.

If you have reached the threshold of one year and you are now self-sufficient again and want to suspend the benefits to get higher ones at a later date, then you can do so by filing an application for suspension. This is voluntary and you will be able to receive a higher payout when you reach a higher age.


Here is what you needed to know about restarting your social security benefits. You can fully withdraw from a social security program if you have received the benefits for under a year. However, if you have gone over the year mark then you can suspend the payments to be taken out at a later date. The social security agency will, however, send the payments themselves after you have reached the age of seventy without you asking them for it.

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