When's the best age to begin collecting Social Security retirement benefits? That's a question the Social Security Administration (SSA) is asked frequently. The agency's answer: "There's not a single 'best age' for everyone and, ultimately, it's your choice." This response is correct. However, if you want to maximize how much money you receive from Social Security, there is an optimal answer for most Americans. Statistics say there's one best age to claim Social Security. Image source: Getty Images. Social Security's big trade-off The earliest you can claim Social Security retirement benefits is age 62. Why shouldn't everyone begin collecting benefits as soon as possible? SSA imposes an early retirement penalty.
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