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What do Statistics Say Is Best Age to Claim Social Security?

As Katie Brockman notes, the age you sign up for Social Security is one of the most important factors influencing your benefit amount, and it can affect your payments by hundreds of dollars per month. You can claim as early as 62 or as late as 70. In a 2022 study from the National Bureau of Economic Research, analysts examined older adults’ filing ages and how those decisions affected their lifetime benefit amount. The results found it pays to delay. Researchers found that 91.6% of workers would receive the largest lifetime benefit by filing at age 70, and a staggering 99.4% would collect more in total by waiting until after age 65 to begin claiming. Read Brockman’s full piece here.

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