First, you need to know your benefit and your spouse's benefit at full retirement age. You can obtain this information by looking up your benefit information on Social Security's website, www.ssa.gov.

  1. Enter your benefit at full retirement age.

2. Select the age when you wish to claim your Social Security benefit. Your Benefit at Start Age (Pretax) will adjust, increasing if you delay past your Full Retirement Age and decreasing if you delay early.

3. Repeat the process for your spouse's benefit.

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