Claiming Social Security at Age 70
By waiting until 70, you earn delayed retirement credits of 8% per year beyond FRA (67). That's an additional 24% boost to your monthly benefit.
Claiming at 70: The Delayed Strategy
- Bonus: You receive 124% of your PIA (24% increase over FRA benefit).
- Maximum benefit: Age 70 is the optimal maximum. No further delayed credits accrue after 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 70
Use our free Social Security calculator to see your estimated monthly and lifetime benefits.
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