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Delay Social Security Benefits to Age 70 for Maximum Payouts

12/7/2025

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Summary

Story summary

Experts recommend delaying Social Security benefits until age 70 to maximize payouts.
The strategy is supported by increases in benefits for each year of delay after the full retirement age of 66 or 67.
In 2024, only about 8% of new Social Security claims were filed by individuals who waited until age 70.
David Blanchett of Prudential Financial notes that most retirees are just trying to manage with limited resources.

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Story summary

Experts recommend delaying Social Security benefits until age 70 to maximize payouts.
The strategy is supported by increases in benefits for each year of delay after the full retirement age of 66 or 67.
In 2024, only about 8% of new Social Security claims were filed by individuals who waited until age 70.
David Blanchett of Prudential Financial notes that most retirees are just trying to manage with limited resources.