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Don’t take Social Security just because you enroll in Medicare

If your strategy for Social Security is to wait in order to reap the financial rewards, don’t think that just because you enroll in Medicare at 65 that you need to take Social Security at the same time.  If your Social Security full retirement age is 66 or 67, then enrolling at 65 when you take Medicare will give you a permanent reduction in your benefits.  While you should definitely enroll in Medicare when you’re first eligible at 65 (with few exceptions), waiting to take Social Security is a great way to make sure your benefit will be all that it can be.  This Motley Fool article by Maurie Backman explains.

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