Social Security Claiming Strategy
Claim at 62, 67, or 70? See break-even ages, cumulative lifetime benefits, and the optimal claiming age based on your life expectancy — with spousal benefit analysis.
Claiming at 62 vs 70 means a 77% difference in monthly income. The right answer depends on your health, life expectancy, and whether you need the income now. The break-even math is what matters.
Your Social Security Estimate
From your SSA statement — ssa.gov/myaccount
FRA: 67 (born 1960+)
Live past 79 and claiming at 67 beats 62 in total lifetime income.
Live past 83 and waiting until 70 beats 67 in lifetime income.
Lifetime Benefit by Claiming Age (to Age 83)
Simple cumulative (monthly × 12 × years), not inflation-adjusted or discounted.
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