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"Social Security benefits are a crucial part of many Americans' retirement finances. While the amount received is heavily dependent on career earnings, there are two ways to increase benefits that are often overlooked. Delaying benefits past full retirement age can result in a higher monthly benefit, with each month increasing the benefit by 2/3 of 1%, or 8% annually. Additionally, individuals can claim spousal benefits, receiving up to 50% of their partner's primary insurance amount (PIA), assuming they claim benefits at their full retirement age. This can be especially beneficial for couples where one person earns significantly more than the other."
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