Key Points Most people reach full retirement age at around 67. This is when you qualify for 100% of your scheduled benefits. When deciding the best time to claim Social Security, consider your health, longevity, and income needs. Coordinating Social Security benefits with savings, pensions, and other income can improve your retirement plans. The $23,760 Social Security bonus most retirees completely overlook › As you approach 67, you face big decisions, some of which involve Social Security. Those decisions can shape the rest of your retirement, as well as the benefits available to a spouse who chooses to claim Social Security spousal benefits.
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