The Motley Fool says 65 may suit people needing income sooner, coordinating retirement with Medicare, or concerned about health and longevity. For those born in 1960 or later, claiming then brings a monthly benefit 13.3% below the full-retirement amount at 67.
In a hypothetical using a $2,000 full-retirement-age benefit, the article estimates $1,733 a month at 65, compared with $1,400 at 62, $2,000 at 67 and $2,480 at 70. It says there is no one-size-fits-all answer to when to claim.
