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When to Claim Social Security? The Only 3 Strategies I Recommend.

Apr 07, 2026 19:50 UTC

Key PointsSpousal and survivor benefits add some complexity to Social Security claiming strategies..

  • April 07, 2026 — 03:50 pm EDT Written byAdam LevyforThe Motley Fool-> Spousal and survivor benefits add some complexity to Social Security claiming strategies
  • Lower-earning spouses have to make decisions based on their household situation
  • Higher-earning spouses should almost always claim at a very specific age

April 07, 2026 — 03:50 pm EDT Written byAdam LevyforThe Motley Fool-> Spousal and survivor benefits add some complexity to Social Security claiming strategies. Lower-earning spouses have to make decisions based on their household situation. Higher-earning spouses should almost always claim at a very specific age. Few decisions are as important in retirement planning as when to claim Social Security. Claiming too early or waiting too long to start could leave valuable benefits on the table. While everyone's situation is different, I think nearly everyone will find one of the following three str

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