How to get the most from Social Security

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

  • Living in Retirement
  • Social Security
  • Living in Retirement
  • Social Security
  • Living in Retirement
  • Social Security

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 five 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.

Five Social Security myths

Five Social Security myths debunked We clear up some common myths and misperceptions to help you make a decision about claiming your benefit.

Social Security tips

Social Security tips for singles Know your benefits if you're widowed, divorced, or have never married.

Social Security rules

Unraveling Social Security rules for ex-spouses Divorce doesn't rule out spousal benefits. Find out whether you're eligible.

Social Security and you

Social Security tips for working retirees Know what working in retirement means for your benefits and tax bill.

Women and Social Security

Women and Social Security Whether they’re married or single, women need to ensure that they get the most from Social Security.

Social Security tips for couples

Social Security tips for couples Consider three strategies that may help married couples dramatically boost their lifetime 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.
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