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Why Claiming Social Security at 64 or 67 Could Be a Big Mistake

Most Americans in good health benefit by delaying claiming Social Security retirement benefits to age 70 because their benefit increases with each year of delay past age 62 (up to 70), the first year of qualification. Social Security provides inflation-linked longevity insurance and, up until Covid, life expectancy was increasing in the U.S. You can…

Social Security and divorced spouses

My ex-husband is 60 years old. I am 62. Can I file for benefits now based on his work record? No. Most workers need to be at least 62 years old to file for Social Security retirement benefits. (Exceptions include survivors and people with disabilities.) That requirement applies to divorced spouses, too. Before you can…

The 7 most common Social Security mistakes

“Social Security is a complicated element of anyone’s retirement plan. Here are the most common mistakes individuals tend to make and how to avoid them.” by Scot Landborg. 1. Turning on Social Security at 62 while you’re still working. 2. Not utilizing the restricted application strategy (if you are eligible). 3. Remarrying without understanding the…