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Break-even age – the single most important number to know

Stefon Walters explains the break-even age is the age when the total amount received from claiming benefits equals the amount received by delaying them. It’s a key factor, though just one, that should be used to determine when you claim benefits. In short, do you want permanently reduced benefits but more of them by starting before full retirement age (now 67), or fewer but higher monthly checks by waiting? Benefits are increased by 8% annually if delayed past 67 until age 70, the maximum retirement age. A consistent 8% return is quite the impossibility to gain elsewhere in this day and age. Full article here.

The AMAC Foundation offers a free-to-the-public advisory service to all folks ageing into–or already in–Social Security. This service provides guidance in understanding the complexities of Social Security and the myriad rules and regulations associated with the process for claiming benefits, with NSSA-Certified Social Security Advisors available via email or telephone to discuss options. Learn more about this service via the Foundation’s website.

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