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Whether you're looking for a total "do-over" or just a temporary "pause," this quick quiz reveals exactly what is — and isn't — possible.
By
Donna LeValley
published
23 March 2026
in Features
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Most people leave thousands on the table by claiming Social Security too early. But what if you could change your mind? Whether you're looking for a total "do-over" or just a temporary "pause," this quick quiz reveals exactly what is — and isn't — possible.
From the 12-month withdrawal rule to the voluntary suspension at full retirement age (FRA), the rules for stopping and restarting benefits are notoriously tricky. Are you a Social Security strategist or just guessing? Test your knowledge with these 10 essential true-or-false questions.
And don't worry if you miss an answer; you can follow the links below the quiz to brush up on your knowledge.
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Sign upRead More on Social Security
- What's My Social Security Full Retirement Age (FRA)?
- Delay Social Security Benefits — Even by a Month — to Boost Your Check
- When To Take Social Security Payments: Your Age Matters
- Reasons to Take Social Security Early
- Social Security Basics: Things You Must Know About Claiming and Maximizing Your Social Security Benefits
Donna LeValleyRetirement WriterDonna joined Kiplinger as a personal finance writer in 2023. She spent more than a decade as the contributing editor of J.K.Lasser's Your Income Tax Guide and edited state specific legal treatises at ALM Media. She has shared her expertise as a guest on Bloomberg, CNN, Fox, NPR, CNBC and many other media outlets around the nation. She is a graduate of Brooklyn Law School and the University at Buffalo.