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Will my Social Security benefits start automatically?
No, is the short answer to Social Security benefits starting automatically. A person must sign up, mainly because there is no magic, single age to start them. As long as you have 10 years (40 quarters) of work history, you can claim retirement benefits as early as age 62. But you can wait to as long as age 70 to maximize your monthly check. You can also start at any age in between. The monthly amount is higher for every month and year you delay, but of course you will receive fewer lifetime checks. Ultimately it’s a personal decision best managed by assessing one’s health and estimated life expectancy. The easiest way to apply for Social Security is online via their web site. Read more 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.
This posting is presented for informational purposes only and does not represent legal or financial guidance. Any opinions or interpretations presented are either those of the original author or, in the case of articles authored by the AMAC Foundation, are the opinions of AMAC Foundation staff, originally trained and accredited by the National Social Security Association (NSSA) and certified via the AMAC Foundation. Any links included in the article are valid on the posted date; socialsecurityreport.org cannot guarantee the duration of the links’ validity. NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website (https://amacfoundation.org/services/) or email us at ssadvisor@amacfoundation.org. Because we are a non-profit organization, there is no charge for these services.