Social Security Optimizer

Find a strategy designed to optimize your Social Security benefits
Your strategy at a glance
Your Primary Claiming Strategy can increase your lifetime benefit amount by tens of thousands of dollars. Here’s what your report includes:
  • Information on how to leverage the Social Security rules to make the most of your benefits
  • Key details on how Social Security benefits really work
  • Analysis that helps you compare claiming strategies
Claiming Strategy Comparison
Claiming Strategy Comparison Graph
Early Claiming Strategy

Early Claiming Strategy

The Social Security claiming strategy that seeks to receive Social Security income earlier, generally at the expense of cumulative benefits over time. It usually requires claiming at age 62, or if you (and your spouse, if applicable) are over age 62, as soon as possible.

Primary Claiming Strategy

Primary Claiming Strategy

The Social Security claiming strategy that seeks to achieve the highest projected total cumulative benefits based on your life expectancy and usually entails claiming benefits later (i.e., when you are older) than when you are first eligible to claim Social Security benefits.

This chart is for illustrative purposes only and does not represent any actual or future social security benefit payments and is not a guarantee. The chart may not reflect an accurate depiction of lifetime benefits if an individual's assumptions and inputs, including but not limited to their life expectancy, are not accurate.
See how a different claiming strategy could improve your outcomes
How would you like to determine your benefit amount?
You can visit the Social Security Administration website to calculate your retirement benefit estimate.

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