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New Social Security Rules for 2026: Key Benefits Explained

11/24/2025

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Summary

Story summary

People turning 62 in 2026 may apply for Social Security retirement or spousal benefits, and birth-month eligibility depends on birth date.
Early claiming may reduce monthly benefits by up to 30%–35%.
Delaying benefits until full retirement age of 67 for those born in 1960 or later increases payments.
Working while claiming triggers the earnings test, with $1 withheld for every $2 earned over $24,480.

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Story summary

People turning 62 in 2026 may apply for Social Security retirement or spousal benefits, and birth-month eligibility depends on birth date.
Early claiming may reduce monthly benefits by up to 30%–35%.
Delaying benefits until full retirement age of 67 for those born in 1960 or later increases payments.
Working while claiming triggers the earnings test, with $1 withheld for every $2 earned over $24,480.