You would have to run the numbers to see if it makes financial sense, but, I tend to think that any advantage would be eated up by the finance charges on the loan that would be required. I'm not sure where you got the 70.4 years figure. This is the first I have heard of it. When you apply for benefits it takes some time before you actually receive the first check, but, I believe that eventually you receive checks to make up the difference. Also the check you receive in one month is actually for the prior month and perhaps these factors might add up to 0.4 months. Other than these factors I think the maxaimum benefit can be received at age 70.Since it sounds like you have received benefits for less than a year it might be simpler to just suspend benefits now and have them start again when you are 70 (or 70.4 if you are correct). The benefit amount should be less than 10% different that what you would receive with your plan.Bob
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