Social Security "raises" don't have to be limited to annual COLAs.You work for decades. You decide to retire. You claim Social Security. And your benefits are set in stone, aside from the annual cost-of-living adjustment (COLA).That's the sequence of events for most retirees. However, the last part about benefits being fixed permanently, except for COLAs, doesn't have to apply. There's a Social Security "raise" that most retirees miss. Here's how working longer after claiming Social Security can boost your ...