Published: 2026-08-15
This article provides general information for reference purposes only and does not constitute professional legal, tax, medical, or financial advice. Rules and programs may change. Always verify current details with official sources or consult a qualified professional.
When should I claim Social Security?
You can claim Social Security as early as age 62, but benefits increase if you wait. Your full retirement age is 66-67, depending on your birth year. Delaying benefits until age 70 can increase your monthly payment by up to 8% per year.
How are my benefits calculated?
Your benefits are based on your 35 highest-earning years, adjusted for inflation. Working longer and earning more can increase your benefit. The Social Security Administration provides estimates through your online account.
How can I maximize my benefits?
Work at least 35 years, delay claiming if possible, and coordinate benefits with your spouse. Consider your health, life expectancy, and other income sources when deciding when to claim.