If I Won’t Live to 90, Should I Claim Social Security Early?

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If your parents or grandparents passed away young, it’s natural to wonder: Should I grab Social Security as early as possible? It sounds simple, but the truth is far more nuanced. In this episode, Lee unpacks why longevity isn’t just about family history. Advances in medicine, modern lifestyles, and the kind of retirement you envision all play a huge role in when (and how) you should claim benefits.

Lee explains what early filing actually does to your benefits, why spousal considerations matter, and how delaying benefits can increase overall lifetime income for you and potentially for a surviving spouse. Instead of making this decision in a vacuum, Lee shows how Social Security fits into your broader financial plan alongside pensions, savings, and other income sources.

Here’s what we discuss in today’s show:

🧬 Family history vs. actual longevity factors

💵 How delayed credits can boost your benefit

❤️ ‍What happens to Social Security if a spouse passes away first

🔄 Trade-offs of using your own assets vs. claiming early

📊 Using Social Security in a comprehensive plan

 

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