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Josephine Nesbit

Social Security Claiming at 62, 65 and 70: The Costs Retirees Need to Know in 2026

AJ_Watt / Getty Images
AJ_Watt / Getty Images

When it comes to Social Security, the age at which you claim has a massive impact on retirement income.

“Deciding when to claim Social Security is one of the most important and retirement decisions Americans face. And it’s irreversible,” Rick Reed, vice president and defined contribution practice director at Segal, a benefits and HR consulting firm, wrote in an email. “There’s no single right age for everyone.”

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