It’s common knowledge that delaying your Social Security benefits can lead to higher payments. But not everyone has the ability to keep working until the full retirement age.

This creates a tough situation for seniors in their early-to-mid 60s who may want to retire but simply can’t afford to take reduced benefits. One potential solution being discussed is the introduction of bridge benefits.

A bridge benefit would provide a temporary, partial payment starting at age 62—helping to cover essential expenses while allowing full benefits to continue growing until the individual reaches full retirement age. This approach gives seniors more flexibility and financial breathing room during a crucial transition period.

In addition, some proposals suggest adjusting the base benefit or providing partial claiming options for those easing into retirement with reduced work hours. These changes could offer a more gradual, sustainable path into retirement for those who aren’t ready—or able—to stop working completely.

After all, seniors deserve easy access to a fulfilling retirement. For more news like this, follow us on Facebook and Twitter. And if you’d like another solution to making retirement more enjoyable, sign our petition. We advocate for higher Cost-of-Living Adjustments and reimbursement for years skipped.