New CDC Data Shows the Best Age to Claim Social Security for the Average Retiree
The Motley Fool
by newsfeedback@fool.com (Adam Levy)February 15, 2026
AI-Generated Deep Dive Summary
Social Security remains a critical income source for most retirees, with nearly half of American households relying on it for at least 50% of their income post age 65. To maximize these benefits, understanding the optimal claiming age is essential. Recent CDC data suggests that life expectancy projections can guide this decision, helping individuals determine when to start receiving Social Security to ensure they get the most out of their benefits.
For the average retiree, delaying Social Security claims beyond full retirement age typically increases monthly payments, as the program adjusts for later starts. However, this approach may not always yield higher total lifetime benefits if life expectancy is shorter than average projections. Balancing the trade-off between higher payments and longer payout duration is key to maximizing financial outcomes.
This insight is crucial for those planning their retirement, as it allows them to tailor decisions based on personal health expectations or family history. While the CDC’s data provides a general framework, individual circumstances can influence the best claiming strategy. For instance, those with significant health concerns might prioritize immediate income over higher future payments.
In conclusion, leveraging CDC life expectancy data helps retirees make informed decisions about Social Security claims, ensuring financial security in retirement. This approach is particularly valuable for finance-focused individuals aiming to optimize their retirement benefits through strategic planning.
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Originally published on The Motley Fool on 2/15/2026