This could be a financial boon to a number of retirees. Many older people on Social Security have been forced by the bear market to go back to work. If that’s you, you can “claim and suspend” your benefits. You’ll get a higher benefit when you resume receiving Social Security. The strategy can also enhance benefits for one-earner couples. The details of “claim and suspend” are spelled out in a brief by the Center for Retirement Research at Boston College. The link to the full paper is here