Viewing Question: On an actuarial basis, when is the best time to take social security?

On an actuarial basis, when is the best time to take social security?

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I don’t think it will come as much of a surprise, but there isn’t an actuarial way to game social security. If you live longer, it is generally in your interest to delay if possible. Generally speaking, the breakeven ages are between 82 and 86, which unsurprisingly, correspond to the average life expectancies. With all the advances in medicine, generally, if you’re healthy and you have good risk factors, its in your interest to wait if you can.

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  1. I don’t think it will come as much of a surprise, but there isn’t an actuarial way to game social security. If you live longer, it is generally in your interest to delay if possible. Generally speaking, the breakeven ages are between 82 and 86, which unsurprisingly, correspond to the average life expectancies. With all the advances in medicine, generally, if you’re healthy and you have good risk factors, its in your interest to wait if you can.

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