Optimizing Social Security

Social Security offers guaranteed, inflation-protected income throughout your retirement. Deciding when to claim your benefits is a critical decision.

Your Social Security benefits are an important part of your retirement income. That's because they are guaranteed income, so they can be the bedrock of a sound retirement income plan.

You are eligible to receive your full benefit at your full retirement age (FRA), which has been gradually increasing from 65, and will soon be 67 for everyone. You can begin collecting a reduced benefit as early as age 62. In general, the earlier you choose to begin receiving benefits, the lower your monthly payment will be.

After answering 5 simple questions, the Social Security benefits calculator provides a ballpark estimate of projected monthly and lifetime benefits across different claiming ages.

Read the Viewpoints articles below to help understand when and how to start taking Social Security benefits.

5 Social Security myths debunked

Decorative graphic. Focus on the facts before you claim this valuable retirement income benefit.

Social Security tips

Know your benefits if you're widowed, divorced, or have never married.

Social Security rules

Divorce doesn't rule out spousal benefits. Find out whether you're eligible.

Tips for working retirees

Decorative graphic. Know the impact of work on your Social Security and taxes.

Social Security and women

Women face unique Social Security challenges: these tips can help.

Social Security tips for couples

Decorative graphic. See 3 ways that may help married couples boost their lifetime benefits.

Should you take Social Security at 62?

Decorative graphic. If you can wait a few years longer, you can boost your benefits—and your spouse's.

Clarity begins with a conversation

Contact Fidelity today for 1:1 guidance during life's big decisions. We believe in making the complex simpler, because we want you to be confident about the decisions you make—next week, next year, and beyond.