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AARP's Social Security Q&A Tool

I am 62 and married and trying to live off a small pension and savings before beginning Social Security at 65 or 66. If the government raises the full retirement age or lowers benefits, will I be grandfathered in, or should I take Social Security now before my benefits are reduced?

En español | AARP feels that it is extremely likely that any changes to the Social Security program would be modest and implemented over time. If you are currently approaching retirement age, the chance that your benefits will change dramatically is much smaller than if you are still 15 or 20 years from claiming age. One exception could be a change to the Cost of Living Adjustment, which could affect everyone receiving a benefit immediately.

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