Core Insights - Claiming Social Security benefits early results in reduced monthly payments, with reductions of up to 6.7% per year for the first three years and an additional 5% for years prior to full retirement age [1][7] Group 1: Options to Increase Social Security Benefits - Rescinding a claim is possible if filed within the last 12 months, allowing for a do-over if all benefits received are repaid [4][5] - Working while under full retirement age can help increase future Social Security checks by offsetting early filing penalties, with specific income limits set for 2026 at $24,480 and $65,150 depending on the timing of reaching full retirement age [6][8]