When Should You Take Social Security?
![](https://socialsecurityreport.org/wp-content/uploads/2014/03/SS-Break-Even-Chart.jpg)
When it comes to your own Social Security benefits, you’ve got three alternatives:
- Take them early
- Wait until your normal retirement age
- Wait even longer
The normal age for receiving Social Security retirement benefits is a moving target (see table below). You can still elect to take benefits early at age 62 (earlier only if you are a survivor or on disability), or wait as late as age 70. Given the range of choices, as your 62nd birthday approaches, you’ll likely be thinking about more than just how all those candles are going to fit on the cake.
Before you consider whether it makes sense to take Social Security benefits earlier or later, let’s take a look at some of the rules. Read more…
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