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How to get the most from Social Security

When and how to take it is one of your first and most important retirement decisions.

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.

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

Social Security at 62?

Should you take Social Security at 62? If you can wait a few years or longer, you can boost your benefits—and your spouse's.

New rules for Social Security

New rules for Social Security A new law means that two claiming strategies will be off the table in the coming months.

The debt ceiling deal and you

Debt ceiling deal The debt ceiling deal has implications for Social Security strategy and Medicare premiums.

Social Security for singles

Social Security tips for singles Not married? Here are some strategies to help you maximize your Social Security benefits.

Women and Social Security

Women and Social Security Why it's important for women to ensure that they get the most from Social Security.

Social Security rules and you

What the new Social Security rules mean for you Depending on your age, you may be able to use some strategies before they are eliminated.

Social Security for couples

Social Security tips for couples Three strategies that may help married couples dramatically boost their lifetime benefits.
The information contained herein is general in nature, is provided for informational purposes only, and should not be construed as legal or tax advice. Fidelity does not provide legal or tax advice. Fidelity cannot guarantee that such information is accurate, complete, or timely. Laws of a particular state or laws that may be applicable to a particular situation may have an impact on the applicability, accuracy, or completeness of such information. Federal and state laws and regulations are complex and are subject to change. Changes in such laws and regulations may have a material impact on pretax and/or after-tax investment results. Fidelity makes no warranties with regard to such information or results obtained by its use. Fidelity disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Always consult an attorney or tax professional regarding your specific legal or tax situation.

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