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Social Security education

Social Security decisions are hard to reverse. We explain the general ideas and point you to the Social Security Administration for your own record. PGW has no government affiliation.

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The timing question

Benefits generally depend on earnings history and the age you claim. Claiming at different ages changes the monthly amount. The best age depends on health, other income, marital status and personal priorities.

Using official tools

The SSA lets you create a personal account to review your earnings record and estimates. Checking the record for errors is a sensible first step.

Independence

PGW is not affiliated with, endorsed by or acting for the Social Security Administration or any government agency.

Questions worth asking

  1. 01Does your earnings record look right?
  2. 02How might a spouse or survivor be affected?
  3. 03What would you live on if you delayed claiming?

Limits and risks

General education. Benefit rules change and individual results vary. Confirm everything with the SSA.

Related article: Social Security: thinking about when to claim

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Retirement income planningTurning savings, benefits and spending needs into a plan you can explain in a page.Annuity educationWhat annuities may do, and the costs, limits and risks that come with them.Retirement planningA whole-picture look at saving, risk, taxes, healthcare and legacy questions.Rollover considerationsOptions for an old workplace plan, and what to compare before moving money.