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Social Security: Take Now or Later?

It is often the biggest decision one could make in a lifetime, one without an easy answer.  Should one take Social Security benefits the earliest age of 62, full retirement age (66 or 67 depending on birth year), or maximum age of 70?  Technically it should not matter, as more checks at a smaller amount would equal fewer checks at a higher amount, assuming one lives to average life expectancy.  But health is a wild card, and people need to asses their own well-being and their own situation when deciding when to start benefits.  Read Katie Brockman’s full piece here on the pros and cons of early benefits versus waiting to file.

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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