In 2025, the Social Security full retirement age rises to 67 for those born in 1960 or later. This change impacts benefits and retirement planning.

Deciding when to start taking Social Security is one of the key questions retirees and potential retirees face. The right answer can be different depending on your unique financial situation and life expectancy.

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.