Why 62 can be the worst age to claim

Why 62 can be the worst age to claim

If you’re eligible, you can start collecting your retirement benefit from Social Security as early as age 62. The key trade-off you face in choosing to start that early is that you will receive benefits for more months, but each payment will be permanently reduced versus waiting until later to start collecting. That trade-off makes age 62 both the worst — and the best — age to claim Social Security.

How can that be? On average, people will receive about the same from Social Security throughout their lifetime, regardless of when they start collecting. Early collectors get lower benefits for […]

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