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When should I claim Social Security?

Quick Answer

Claim earlier (62) if you need income, have health concerns, or expect a shorter retirement. Claim later (up to 70) if you expect a long retirement — your benefit grows ~8% per year past full retirement age.

when-should-i-claim-social-security
Warren Team
Updated January 18, 2026
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The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

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