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3 Reasons Not to Claim Social Security at 65

This might not be the right call for you if you're trying to maximize your benefits.

3 Reasons Not to Claim Social Security at 65

Published September 28, 2026 · Category: Finance

Overview

Claiming Social Security at 65 can seem like a good idea, especially if you don't want to face the steep 30% early withdrawal penalty for applying at 62. But it's important to understand how your claiming at 65 will affect your benefit before you decide if it's right for you.

Here are three things you should know before applying for Social Security at age 65. If any of them concern you, you might want to choose a different sign-up age.

Image source: Getty Images.

Details

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Source

Originally published at www.fool.com.

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