If you can’t work until 70, your Social Security strategy may need a rethink. Experts explain when it’s smarter to claim early—and when waiting still pays off.

After paying into Social Security your entire life, you deserve all of the money you’re entitled to from it.

Benefit growth slows in 2026 as retirement age, premiums, and tax limits rise.

What are the benefits and disadvantages to going early or waiting to apply for benefits?