Unless you need it, it absolutely pays off to wait until your full retirement age of 67. If you take it at 62, you will receive 30% LESS annually than you would if you started at 67. That is a permanent reduction for the rest of your life.

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2024-12-17 23:52

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Dan Payton
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2 小時內	P Bagga Parsons sc_supastar	theee is a break even date that you should calculate first though. It’s the date when waiting to claim benefits starts to exceed the value of starting payments early. If you break even date is say, 78, and your family history or health issues makes you question whether you will reach that age, better to take it early.
2 小時內	P Bagga Parsons sc_supastar	calculate your break even date. If your family history and/or health issues suggest you will not reach that age, think of taking it earlier than 67.
2 小時內	Peggy Schaefer pschaefer11	No guarantee you’ll make it to full retirement. It would take many many years to gain what you would collect if you collected early if you waited.
2 小時內	Pam Troy Kopack pamkopack	Agree The monthly difference was substantial in my case Unless you can’t survive without, wait
2 小時內	Don Becker beckerdon	For the rest of your life after your breakeven date
2 小時內	Debbie Ruby Lewis debbielew60	In my case it would take eleven years before the total payment amount equaled out and then it would be beneficial. I could retire and live my life while I was still able to do things. It’s been 8 years and I’ve seen many friends and acquaintances pass away.
2 小時內	Brion Gallagher vdubdriver	Took mine at 65, breakeven will be 84.
3 小時內	Bob Beller bob.beller.7	What if they die at 66?
3 小時內	James Michney jamesmichney	I delayed until 67. It was the best choice for my situation. Some people may need it earlier.
3 小時內	Ken Wilson carolinapro	Just remember, social security ends when you die. Investment funds you didn’t spend because you got social security can be left to kids.