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

2025-10-16

✈️ Retire Pilots the Right Way! 🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/ If your parents passed away relatively young, it’s natural to wonder whether you’ll face the same fate, and whether that should change how you claim Social Security. In this episode, Ryan discusses how life expectancy, health, pensions, and even your trust in the system can shape the right decision. He breaks down the opportunity costs of claiming early versus waiting, real pilot scenarios, and why the best ...

✈️ Retire Pilots the Right Way!

🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/

If your parents passed away relatively young, it’s natural to wonder whether you’ll face the same fate, and whether that should change how you claim Social Security. In this episode, Ryan discusses how life expectancy, health, pensions, and even your trust in the system can shape the right decision. He breaks down the opportunity costs of claiming early versus waiting, real pilot scenarios, and why the best answer usually requires looking at your full financial picture. If you’ve ever wrestled with whether to take Social Security now or later, this episode will give you clarity and perspective.

Here’s what we cover in this episode:

📉 How family history influences Social Security timing

✈️ Why pilots face unique health and longevity challenges

⏰ The pros and cons of claiming early

🛡️ The role of pensions in deciding when to claim

🏛️ Concerns about Social Security cuts or changes

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