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When it comes to drawing Social Security benefits, there is no one-size-fits-all approach. However, being informed about your options can help you make the best decision. You can start receiving benefits as early as age 62, but when you decide to take them will impact how much you receive.


Social Security benefits can be maximized after your full retirement age, which ranges from 66 and 2 months to 67, depending on your birth year. If you choose to take your benefits before you reach your full retirement age, your benefits will be reduced. On the other hand, delaying your benefits can increase your monthly amount. Your benefits will increase until age 70, after that there is no incentive added. These benefit amount adjustments are permanent.

To learn more about your full retirement age and when to take your Social Security benefits, visit Social Security Administration’s page on retirement.

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