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Source document· December 6, 2025

Is It Better to Collect Social Security at 62, 67, or 70? A Broad-Based Statistical Analysis Provides a Decisive Answer.

View original at nasdaq.com
Is It Better to Collect Social Security at 62, 67, or 70? A Broad-Based Statistical Analysis Provides a Decisive Answer. Key Points The Social Security Administration uses four straightforward variables to calculate your monthly Social Security benefit…
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  • Only 4% of the 20,000 retired-worker claims analyzed were optimal

    80% confidence
  • One easy trick could pay you as much as $23,760 more each year in Social Security benefits

    80% confidence
  • Retired workers could see their payouts reduced by up to 23% in 2033

    80% confidence
  • 80% to 90% of Social Security beneficiaries need their payout in some capacity to make ends meet

    80% confidence
  • Around 10% of claims at age 67 would have been optimal

    80% confidence
  • 79% of the 20,000 retired-worker claims examined had an initial collection age ranging from 62 through 64, but only 8% of optimal claims occurred at these three claiming ages combined

    80% confidence
  • 57% of the 20,000 claims studied would have been optimal at age 70

    80% confidence

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