9. Change Your Mind

You may have the right to voluntarily suspend your retirement benefit, pay back the amount you’ve already received, and claim benefits again later. You can only do that if you’ve been getting Social Security checks for less than a full year.

This could occur if you inherit money or get a job after you retire and decide you can actually delay claiming benefits in order to receive a higher benefit check. You can do this by filing SSA Form 521, also known as the Request for Withdrawal of Application. When you file again later, your Social Security check should be substantially higher.

You may also want to read Will Social Security Run Out of Money? Here’s What You Should Know.