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Thursday, August 20, 2026 at 4:55 PM

Savvy Senior

Should you claim Social Security benefits early

Dear Savvy Senior, I turn 62 early next year and plan to retire soon after. Most advice says I should wait to claim Social Security because my monthly benefit will be higher. But with all the recent news about Social Security’s financial problems, I’m wondering if taking benefits early might be the safer choice. Is there ever a good reason to claim at 62? --Ready to Retire

Dear Ready, You’re definitely not alone in asking this.

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