National Social Security Advisor (NSSA) 2025 – 400 Free Practice Questions to Pass the Exam

The correct statement regarding Voluntary Suspension is that it must occur at or after Full Retirement Age (FRA). This means that beneficiaries who wish to voluntarily suspend their Social Security benefits need to have reached their Full Retirement Age before they can initiate this suspension.

Voluntary Suspension allows individuals to stop receiving their benefits while still allowing their earnings to grow and earn delayed credits, which can increase the benefit amount once they decide to re-initiate their benefits. The ability to earn delayed credits is designed to incentivize individuals to delay taking benefits and thus helps to increase the potential future payout.

While the concept of earning delayed credits is applicable, it specifically requires the individual to reach FRA first, which is why the other statements do not hold true. For example, you cannot initiate voluntary suspension before reaching the FRA, and it’s inaccurate to say anyone can start this process at any age, as it is specifically tied to the FRA. Therefore, the requirement for suspension is explicitly tied to having reached Full Retirement Age.