Your benefits will be somewhat larger if you delay retirement past the age of eligibility. The longer you wait to begin receiving payments the larger the payments will be. However, you will need to decide if the amount is enough to warrant the delay by weighing any personal factors. Obviously, if you are self-employed and have failed to pay self-employment taxes directly to the IRS then the amount of your benefits will not reflect any earnings you have made while self- employed. There are some jobs in which Social Security taxes are not withheld from your paychecks
