Timing matters more than most people think when it comes to Social Security — and not just by a little. The age you choose to start collecting can change your monthly check in a big way, shaping everything from your day-to-day budget to how long your savings last.
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In 2026, those differences are more noticeable than ever. So, what does the average benefit actually look like at 62, 67 and 70?
“As a CPA and tax advisor, I get a lot of questions from clients approaching retirement about when to start taking their Social Security benefits,” said Ashley Akin, CPA, tax consultant and the Senior Contributor at CEP DC.
“The answer isn’t the same for everyone, but the numbers for 2026 clearly show how the timing of your claim can affect the amount you receive.”
According to the Social Security Administration, if you delay taking your benefits from your full retirement age up to age 70, your benefit amount will increase.
Here’s how your Social Security benefit numbers stack up by age.
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How Monthly Benefits Grow From 62 To 70
Social Security benefits are an important aspect of any financial plan. Some individuals consider early Social Security benefits because they receive more years of benefit payments.
“The Social Security benefits for a 62-year-old worker in 2026 would be about $1,400 a month,” said Akin.
“For a 65-year-old worker who will turn 67 in 2026, the monthly benefit would be about $2,017.”
She noted that if a 62-year-old in 2026 opted to delay claiming benefits until age 70, the monthly benefits would be $2,250 or more, depending on the size of past benefits.
“The IRS recently issued a warning regarding Social Security benefits,” Akin added.
Why Some Retirees Claim Early — And Others Wait
There are several reasons people choose to receive a lower monthly benefit for the rest of their lives, said Akin.
“It may be that the lower monthly benefit, in conjunction with their retirement savings and investments, creates an acceptable cash flow plan for their future.”
Conversely, she said some choose to delay receiving their Social Security benefit until later in life to maximize the monthly benefit and, therefore, the monthly cash available to spend in their retirement years.
Why Timing Isn’t Just About The Monthly Check
“The most common misconception about Social Security is that it is just a monthly check,” Akin emphasized.
