67 Yerine 70 Yaşında Sosyal Güvenlik Talep Etmek, Her Yaşam Çekine % 24 Ekliyor

Claiming Social Security at 70 Instead of 67 Adds 24% to Every Check for Life

Maurie Backman

Wed, September 23, 2026 at 2:28 AM GMT+3 4 min read

Quick Read

• Delaying Social Security from 67 to 70 permanently boosts monthly checks by 24%, with each extra year adding 8%.

• To delay claiming until 70, you need a backup income plan in case work stops early, such as savings, bonds, or dividend stocks.

• Delaying Social Security won't maximize lifetime income if you don't live into your 80s, so factor in health and family history.

• Read More: Learn 7 ways to generate income with a $1,000,000+ portfolio (sponsor)

One of the most important decisions you'll have to make for your retirement is figuring out when to claim Social Security. And the reason there's so much riding on that decision is that your claiming age helps determine how much Social Security you get each month.

Once you turn 62, you can claim Social Security at any time. But if you don't wait for full retirement age (FRA) to arrive, which is 67 if you were born in 1960 or later, your monthly benefits will be permanently reduced.

On the other hand, if you file at FRA, you'll get the exact monthly benefit you're entitled to based on your personal income history.

There's also the option to delay Social Security past FRA. Each year you wait boosts your checks by 8% for life.

Once you turn 70, you stop getting credit for a delayed Social Security claim. But if your FRA is 67, filing at 70 allows you to score checks that are 24% higher on a permanent basis.

At first, that might seem like an optimal Social Security strategy. But you'll need to make sure you can pull it off.

How to make a delayed Social Security claim happen

You may like the idea of claiming Social Security at 70 for larger checks. But one thing to realize is that to make that plan work, you'll need to make sure you can cover your bills in the interim.

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Now you could decide you'll work until 70 and pay your expenses that way. But you don't know if industry shakeups or health issues will force you to stop working sooner. So while continuing to work is obviously an option, you should also have a backup plan if you know for sure that 70 is your optimal Social Security filing age.

To that end, you could build a nest egg that allows you to take larger withdrawals during the second half of your 60s to cover your costs if you want to delay Social Security but are unable to keep working. You could also choose investments that will pay you on a regular basis, like bonds.

Dividend stocks or ETFs are another good choice if you're looking to generate steady income. While dividends aren't guaranteed the same way interest payments from bonds are, companies with a long history of paying dividends tend to uphold that practice.

Make sure a delayed claim is the smartest move for you

Delaying Social Security until age 70 could lead to a lot more money and stability throughout your retirement. But it's also important that you set yourself up to be able to delay your claim that long.

While working should allow you to wait in theory, sometimes people are forced to stop working sooner than planned. If you have another means of supporting yourself, it could spell the difference between your Social Security strategy working versus needing to pivot and claim benefits at a younger age.

At the same time, recognize that claiming Social Security at 70 gives your checks a 24% boost on a monthly basis. But it doesn't guarantee more lifetime income from Social Security.

If you don't end up living into your 80s, a delayed claim could put less money from Social Security in your pocket in total. So be sure to account for your health and family history when making your filing choice.

Learn 7 Ways To Generate Income With A $1,000,000+ Portfolio

If you've saved over $1,000,000, this guide is for you. The last thing you want in retirement is to run out of money, you want your money to generate lasting income while you enjoy your life.

Now you can learn the strategies wealthy retirees use to fund their retirement with The Definitive Guide to Retirement Income from Fisher Investments. Download the guide today! (sponsor)

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