Optimum Age to start taking benefits 62 – 70?

What’s the optimum age to start taking

your Social Security Retirement Benefits?


The longer you hold off on taking your Social Security, you get an 8% increase in your check.  Then you will also get cost-of-living increases.   If you continue to work, that would increase your benefits too.  See bibliography below.

Don’t forget about Medicare @ 65

If you plan to delay receiving benefits because you’re working, you’ll still need to sign up for Medicare three months before reaching age 65. If you don’t enroll in Medicare medical insurance or prescription drug coverage when you’re first eligible, it can be delayed and you may have to pay a late enrollment penalty for as long as you have coverage.  You can find more detailed information about Medicare here or scroll down and see general brochures & videos.

Social Security’s Planning Tools

Save for your Future .org

Social Security & Medicare
OFFICIAL online Enrollment  and Benefit Planners

social security benefits calculator
How to create a Social Security Account

Retirement Benefits # 10035

Social Security Retirement Benefits # 10035

Retirement Check List # 10377


Social Security
Understanding the Benefits # 10024
25 pages

social security understanding the benefits

Set up an ONLINE Social Security Account - You also need it to get enrolled in Medicare Parts A & B

How Social Security Can Help you Plan for Retirement
30 minutes

Social Security Original Poster
History of Social Security 



Links & Resources



Charles Schwab

How Work Affects Your Benefits, and

IRS Publication 915: Social Security and Equivalent Railroad Retirement Benefits.

Retirement Benefits #10035

Terry Savage.com Social Security – Still have mortgage?

Dave Ramsey – Take Social Security early?

Suze Orman – Optimum Age to retire

Social Security Strategies: How to Optimize Retirement Benefits  Book    the authoritative source on Social Security claiming strategies,  Social Security benefits are the largest retirement asset for the majority of Americans. Yet most decide when to begin benefits without advice. this book is a primer for enhancing lifetime income and minimizing the risk of running out of savings in retirement.  cut through the maze of rules governing Social Security and will equip you with the information and heuristics you need to offer quality advice about Social Security 

Medicare and You 2021 #10050   
Everything you want to know - Read Along

Steve's Video

Steve's video on Medicare & You

Enroll in Blue Cross

Enroll in Blue Shield 

Learn about UHC United Health Care

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