There are lots of things to consider as you plan for retirement, and a key consideration is when to start collecting Social Security. We are here to help you assess your options. With the flexibility to begin at 62, the timing of your application can impact your lifelong benefits.

Consider your current income and employment status. Are you still working, and for how long? Can you afford to delay Social Security for greater benefits later?

You'll also want to evaluate your retirement savings. Social Security typically covers only a portion of retirement income, which is something to consider when thinking about whether your savings are sufficient to support your lifestyle.

Remember, the optimal age varies depending on factors such as where you live and your retirement goals.

Join us as we navigate through these important considerations to help you make the best decision for your financial future. For more information, visit aarp.org/socialsecurity and our new advocacy page, aarp.org/protectsocialsecurity.

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*CHAPTERS*
00:00 Collecting Social Security
00:23 What to Consider When Applying for Social Security
01:43 How Age Impacts How Much Social Security You Can Claim
02:38 How to Maximize Monthly Payments


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AARP is a nonprofit, nonpartisan organization dedicated to helping people ages 50 and older to improve their quality of life as they age. With over 38 million members and growing, we lead positive social change through our extensive product offerings and services.

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