Claiming Social Security at Age 68
By waiting until 68, you earn delayed retirement credits of 8% per year beyond FRA (67). That's an additional 8% boost to your monthly benefit.
Claiming at 68: The Delayed Strategy
- Bonus: You receive 108% of your PIA (8% increase over FRA benefit).
- Maximum benefit: Waiting longer increases your benefit further, up to age 70.
- Best for: Healthy individuals with a family history of longevity, those with sufficient other income to bridge the gap, and higher earners looking to maximize survivor benefits.
- Survivor advantage: Your surviving spouse will receive this higher amount, making delay especially valuable for the higher-earning spouse in a married couple.
Calculate Your Exact Benefit at Age 68
Use our free Social Security calculator to see your estimated monthly and lifetime benefits.
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