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

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.

Social Security and working

If you plan to work in retirement, know what it could mean for your Social Security benefits and tax bill.

Social Security and women

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

Social Security tips for couples

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

Social Security at 62?

When should you take Social Security? If you can wait a few years, you can boost your benefits.

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.