The Core Question: When to File?
You can file as early as 62 or as late as 70. Each year you wait between 62 and 70 increases your benefit by roughly 6-8%. For most people in average health, filing at 70 maximizes lifetime benefits. But it depends on health, marital status, other income sources, and your tax picture.
Is My Social Security Taxable?
Up to 85% of your Social Security benefit can be subject to federal income tax depending on your other income. Read the breakdown with the actual thresholds.
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