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Social Security

When to claim, how spousal and survivor benefits work, the earnings limit, break-even math and the rules that change every year. Checked against SSA.gov.

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Claiming Social Security at 62 Isn’t Always a Mistake: 7 Good Reasons to Do It

October 27, 2026 by Harrison Bullock
Older man reviewing paperwork at his desk next to a laptop

Waiting to 70 gets all the headlines, but claiming at 62 is the right call for plenty of people. Here are seven situations where taking benefits early makes sense, and when it doesn’t.

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Fun Packed Life helps people over 50 plan retirement, live well and have more fun doing it, with straight answers on money, Medicare, where to live, health and fitness. Founded by Kaylee Torres, our senior editor, with guides by Harrison Bullock, Kian Bennett and Olivia Anderson.

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