Claim at 62, 67, or 70?

Claiming at 62 locks in 70% of your benefit for life; waiting to 70 gives 124%. Here's the honest math to find your number — no "always wait until 70."

• The benefit-by-age table — 62 through 70 — on one page
• Your break-even age, and what it really turns on
• The married-couple survivor move most people miss

Get the worksheet→

Read the full breakdown — 62 vs 67 vs 70, the real math →