Social Security

When should you claim Social Security?

A practical starting point for thinking about Social Security claim timing, longevity risk, and how benefits fit into wider retirement income.

A retirement income timing graphic for Social Security decisions

There is no universal best age, because the right claim timing depends on health, work status, other income sources, and how much longevity protection you want.

Why waiting can matter

Delaying can increase the monthly benefit, which can matter a lot for households trying to strengthen guaranteed lifetime income.

Why earlier claims still happen

Some people claim earlier because they need income sooner, have health concerns, or simply value earlier access more than a higher later payment.

Bottom line

Claim timing is a retirement-income decision, not just a benefits button to press when eligible.