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·August 4, 2026
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Retirement Income Reporter
David Ruiz
David covers the mechanics of retirement income — claiming strategy, withdrawals and the deadlines that carry penalties. He aims to make timing decisions feel less daunting.
Recent work
Required minimum distributions, without the jargon
When they start, how they are calculated and the penalty that makes missing one so costly.
By David Ruiz·July 28, 2026