Here's the average Social Security benefit for people age 65. Waiting longer to claim benefits, even past retirement age, can boost monthly payments

What did the United Income researchers determine was the best age to claim Social Security? It wasn't 62. Instead, they found that 92% of Americans would be better off holding off until at least age 65 to claim Social Security retirement benefits, and 71% would be better off waiting until age 70.

If you're planning retirement and intend to keep working to supplement your income, significant changes are on the horizon. Starting in 2026, a crucial provision by the Social Security Administration (SSA) allowing retirees to combine benefits with work income without losing part of their checks will be eliminated.