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Social Security Retirement | MyRetirementPaycheck

When should I start collecting Social Security?

Delaying taking Social Security can increase your payments significantly. Let's look at the numbers:


  • Deciding when to take Social Security is one of the most critical decisions affecting your retirement.
  • You may be eligible to claim Social Security at the age of 62, but you can significantly increase your payments by waiting longer:
    • If you wait until age 66, your payments may be as much as 30 percent or more higher than if you start claiming at 62.
    • If you wait until age 70, the monthly payments are likely to be at least 75 percent more than if you start claiming at 62.