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When to Claim Social Security | Sacramento News
Social Security’s trust fund could hit zero by 2032, risking 22% benefit cuts if nothing changes. Should you claim early or wait? The math favors waiting—up to age 70 can boost monthly payouts by 8% per year past full retirement age, especially if you live past 82. But Congress might act before 2032, adding uncertainty. If you’re married, the higher-earning spouse should delay claiming to maximize benefits. Your decision hinges on finances, life expectancy, and whether lawmakers will intervene—waiting until 70 often pays off best, but the looming deadline makes this a high-stakes calculation…
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