Social Security Benefits: Timing Matters
Update: 2025-12-28
Description
Navigating Social Security: A Tailored Approach - Deciding when to claim Social Security benefits is a complex decision influenced by health, finances, marital status, and more. Claiming early at 62 provides smaller checks but for a longer time, while waiting until full retirement age at 67 means bigger monthly payments but fewer years. For couples, consider joint lifetime benefits and survivor perks. Singles should weigh their health and financial needs. Next year, earnings limits rise and a new tax deduction for those 65 and older kicks in. Tailor your plan with these changes in mind to maximize your benefits.
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