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Question

Is it better to claim Social Security at age 67 or 70?

Answer

Waiting from age 67 to 70 could raise your benefit to 124% of your full benefit if you were born in 1960 or later. Delaying also raises the survivor benefit a spouse may receive. The trade-off is that you’ll need other income to cover roughly three years without receiving Social Security benefits.

Related FAQs

Can I work and collect Social Security at the same time?

What happens to Social Security if the trust fund runs out?

Where can I find my Social Security estimate?
Financial Planning Retirement Retirement Planning Social Security Living in Retirement Tax Basics Early Retirement Cash Flow Management FAQs
Last Updated Nov. 4, 2026
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