决定何时领取社会保险
One of the most common questions people ask about Social Security is when they should start taking benefits. Making the right decision for you can have a meaningful impact on your financial income in retirement.
Before considering how personal circumstances and objectives may play into your decision, it may be helpful to preface that discussion with an illustration of how benefits may differ based upon the age at which you commence taking Social Security.
如下图所示, the amount you receive will be based upon the age at which you begin taking benefits.
Monthly 好处多s Based on the 年龄 that Benefits Begin¹
| 年龄 | 好处多 |
|---|---|
62 | $1,050.00 |
*This example assumes a benefit amount of $1,500 at the full retirement age of 67 months for those born after 1960.
乍一看, the decision may seem a bit clear-cut: Simply calculate the lifetime value of the early benefit amount versus the lifetime value of the higher benefit, 基于一些假设的预期寿命.
The calculus is a bit more complicated than that because of the more favorable tax treatment of Social Security income versus IRA withdrawals, spousal benefit coordination opportunities, 对未亡配偶的考虑, and Social Security’s lifetime income guarantee that exists under current law.²
Here are three ideas to think about when making your decision:
- 你需要钱吗?
Retiring before full retirement age may be a personal choice or one that is thrust upon you because of circumstances, 比如健康状况下降或失业. If you need the income that Social Security is scheduled to provide, 然而降低, then taking benefits early may be the only choice for you. - 考虑配偶的需要
If your spouse expects to depend on your Social Security income, the survivor benefits he or she receives after your death may be reduced substantially if you begin taking benefits early. 记住这一点很重要, 根据目前的预期寿命表, 女性可能比男性更长寿. - 你健康吗??
The primary risk in retirement is running out of money. The odds of living a long life in retirement calls for waiting until you reach full retirement age, so that you receive a full benefit for as long as you live. However, if your current health is poor, then starting earlier may make sense for you.
There are several elements you should evaluate before you start claiming Social Security. By determining your priorities and other income opportunities, you may be able to better decide at what age benefits make the most sense.
1. SSA.政府,2023
2. Once you reach age 73 you must begin taking required minimum distributions from a Traditional Individual 退休 Account in most circumstances. Withdrawals from Traditional IRAs are taxed as ordinary income and, 如果在59岁半之前服用, may be subject to a 10% federal income tax penalty. Contributions to a Traditional IRA may be fully or partially deductible, 这取决于你调整后的总收入.
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