Great Question!!! My wife has the opposite problem, not having worked enough quarters to qualify for SS on her own. I have worked through several scenarios and feel that we (as a couple) are better off waiting until I am 65 to start drawing SS. I keep reading the posts that says to start drawing them early, but my spread sheet calculations said "we" have to live until 100+ the come out even if I start early. To answer your question, If you have worked 40 quarters at the maximum SS salary the only advantage to working more is if your early quarters were summer jobs during college. Then your higher salary now would replace lower salary quarters, raising your SS payments. The SS web page has the formulas to work out how much you gain.
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