4 Smart Ways to Get More Social Security Benefits

For some seniors, Social Security is used as supplemental income -- extra money on top of their retirement savings. For others, it's an essential source of income -- one they absolutely can't live without. No matter which camp you fall into, it pays to get as much money from Social Security as you can, and here are four ways to do just that.

Though you're allowed to sign up for Social Security starting at age 62, you can't claim your full monthly benefit based on your earnings history until you reach what's known as full retirement age, or FRA. FRA isn't the same for everyone. Rather, it's based on the year you were born, as follows:

Year of Birth

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Source Fool.com