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A Statistical Look at the “Worst” Ages to Claim Benefits

The question of when to file for Social Security retirement benefits is one of the most frequent queries we receive here at the AMAC Foundation Social Security Advisory Service. When responding, we typically begin our discussion with “Well, it depends,” knowing full well that this response will usually not be received joyfully by someone coming to us for guidance. But we quickly go on to outline the reasons why there is no clear answer to the question, and after presenting the variables, the caller has the information they need to make a well-reasoned decision. That’s our goal.

That aside, there are “scientific” ways to highlight (statistically, anyway) what might be the “worst” age to claim benefits. A post by contributor Aman Jain appearing recently on dives into the way age factors into the claiming process and goes on to suggest that age 64 is statistically the “worst,” describing it as “the age with the lowest percentage of optimal claims.” Check out the article here for his explanation.

Also, to learn more about the AMAC Foundation Social Security Advisory Service–a free-to-the-public service, click here.

The first link provided above connects readers to the full content of the posted article. The URL (internet address) for this link is valid on the posted date; cannot guarantee the duration of the link’s validity. Also, the opinions expressed in these postings are the viewpoints of the original source and are not explicitly endorsed by AMAC, Inc.; the AMAC Foundation, Inc.; or

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