how many years does social security look back on to get benefits
This number is used to determine your final Social Security retirement benefit. As this calculation is based on an average if you have a zero as one of the numbers, it will pull the average down. To increase your Social Security benefits make sure you have a full 35 years of work history. Use Delayed Retirement Credits. Want to increase your Social Security retirement income by 25% or more? Wait to apply for benefits until age 70 and you will accumulate delayed retirement credits. These credits apply because once you reach full retirement age (FRA) your benefits do not cap out. FRA is determined by your date of birth.