Alert
Close

Watch the NASCAR race on Sunday at Martinsville Speedway. Join the Drive to End Hunger!

AARP's Social Security Q&A Tool

Why does my benefit increase if I delay claiming past 62, the earliest age of eligibility?

Social Security works by the principle that over the course of a retirement, you should be paid the same total amount regardless of the age at which you start benefits. Monthly payment levels are calculated so that if you begin reduced benefits at 62, you will receive (based on average life expectancies) the same total amount as if you start at 70 or any age in between.

submit a question to
AARP EXPERTS

Didn’t see the answer to your question? Help us improve the tool by submitting your Social Security question. Go

Search Social Security Q&A Tool

Enter a keyword to get all the answers to your Social Security questions.

Discounts & Benefits

From companies that meet the high standards of service and quality set by AARP.

UPS Store membership discount aarp benefits

Members save 15% on eligible products/services, 5% on UPS shipping at The UPS Store®.

membership adt

Small business owners save 20% on new installation of any new ADT security system.

Mujer en la parte de afuera de so negocio

Free quotes for members from the AARP® Small Business Insurance Program.

Member Benefits

Renew today! Members receive exclusive member benefits & affect social change.