When Should You Claim Social Security?
When Should You Claim Social Security?
Social Security Claiming
Find the optimal age to claim Social Security. Compare strategies at 62, full retirement age, and 70 — and see the exact lifetime dollar difference.
Your Information
Spouse (Optional)
Include spouse in analysis
Your Claiming Strategies
Your Best Monthly Benefit
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Lifetime Gain vs Claiming at 62
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by waiting for best age
Breakeven Ages — When Waiting Pays Off
Monthly at 62
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Monthly at FRA
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Monthly at 70
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Your FRA
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Lifetime total — claim at 62
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Lifetime total — claim at FRA
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Lifetime total — claim at 70
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Delay bonus at 70 vs FRA
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Spouse's Claiming Strategies
Spouse monthly at 62
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Spouse monthly at FRA
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Spouse monthly at 70
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Spouse's FRA
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Spousal Benefit Analysis
Higher earner's FRA benefit (PIA)
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Spousal benefit = 50% of higher PIA
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Lower earner's own FRA benefit
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Lower earner receives (higher of own vs spousal)
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Combined Household — Monthly Income
Both claim at 62
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Both claim at FRA
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Both claim at 70
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Optimized (higher earner at 70, lower at FRA)
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Combined Household — Lifetime Totals
Both claim at 62
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Both claim at FRA
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Both claim at 70
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Optimized strategy
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Lifetime gain — optimized vs both at 62
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Note:
Estimates use SSA adjustment rules. Your actual benefit depends on your 35 highest-earning years. Verify at ssa.gov/myaccount. Does not account for benefit taxation or WEP.
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