August 11, 2026Est. digital edition
Social Security

The case for waiting past 65 to claim Social Security

Delaying benefits raises your monthly check for life — but the right age depends on your health, savings and whether a spouse is counting on the same record.

By David Ruiz·Retirement Income ReporterPublished ·7 min read
Monthly benefits grow for each year claiming is delayed, up to age 70.
Monthly benefits grow for each year claiming is delayed, up to age 70.

Delaying benefits raises your monthly check for life — but the right age depends on your health, savings and whether a spouse is counting on the same record. The full text of this report is part of our expanding edition and will appear here in this template.

Sources & references

  • Official program guidance and enrollment materials as cited in the article text.
  • State Health Insurance Assistance Program (SHIP) counseling overview.

A note on accuracy: if you believe something here is wrong or out of date, request a correction. Substantive changes are logged with the update date above.

Senior Consumer Benefits publishes general information and education about benefits, insurance, retirement and personal finance. It is not individualized financial, investment, tax, legal or insurance advice, and it should not be treated as a substitute for guidance from a qualified professional who knows your circumstances. Consumer Media Holding, LLC is not a registered investment adviser, broker-dealer, law firm or accounting firm.

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