{"id":474647,"date":"2026-05-30T11:49:09","date_gmt":"2026-05-30T11:49:09","guid":{"rendered":"https:\/\/www.newsbeep.com\/ie\/474647\/"},"modified":"2026-05-30T11:49:09","modified_gmt":"2026-05-30T11:49:09","slug":"the-average-social-security-check-at-62-67-and-70-in-2026","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/ie\/474647\/","title":{"rendered":"The Average Social Security Check at 62, 67 and 70 in 2026"},"content":{"rendered":"

\"wavebreakmedia wavebreakmedia \/ Shutterstock.com <\/p>\n

Timing matters more than most people think when it comes to Social Security \u2014 and not just by a little.\u00a0The age you choose to start collecting can change your monthly check in a big way, shaping everything from your day-to-day budget to how long your savings last.<\/p>\n

Discover More: Your Social Security Check Could Be Higher in 2026 \u2014 Here\u2019s How\u00a0To\u00a0Fix It Before It\u2019s Too Late<\/a>\u00a0<\/p>\n

Find Out: 7 Clever Ways Retirees Are Earning Up To $1K per Month\u00a0From\u00a0Home<\/a>\u00a0<\/p>\n

In 2026, those differences are more noticeable than ever. So, what does the average benefit actually look like at 62, 67 and 70?<\/p>\n

\u201cAs a CPA and tax advisor, I get a lot of questions from clients approaching retirement about when to start taking their Social Security benefits,\u201d said Ashley Akin, CPA, tax consultant and the Senior Contributor at CEP DC<\/a>.<\/p>\n

\u201cThe answer isn\u2019t the same for everyone, but the numbers for 2026 clearly show how the timing of your claim can affect the amount you receive.\u201d<\/p>\n

According to the Social Security Administration<\/a>, if you delay taking your benefits from your full retirement age up to age 70, your benefit amount will increase.<\/p>\n

Here\u2019s how your Social Security benefit numbers stack up by age.<\/p>\n

Read Next: Warren Buffett\u2019s Advice\u00a0To\u00a0Prepare for a Recession Is S-Tier<\/a>\u00a0<\/p>\n

How Monthly Benefits Grow From 62 To 70 <\/p>\n

Social Security benefits are an important aspect of any financial plan. Some individuals consider early Social Security benefits because they receive more years of benefit payments.<\/p>\n

\u201cThe Social Security benefits for a 62-year-old worker in 2026 would be about $1,400 a month,\u201d said Akin.<\/p>\n

\u201cFor a 65-year-old worker who will turn 67 in 2026, the monthly benefit would be about $2,017.\u201d<\/p>\n

She noted that if a 62-year-old in 2026 opted to delay claiming benefits until age 70, the monthly benefits would be $2,250 or more, depending on the size of past benefits.<\/p>\n

\u201cThe IRS recently issued a warning regarding Social Security benefits,\u201d Akin added.<\/p>\n

Why Some Retirees Claim Early \u2014 And Others Wait <\/p>\n

There are several reasons people choose to receive a lower monthly benefit for the rest of their lives, said Akin.<\/p>\n

\u201cIt may be that the lower monthly benefit, in conjunction with their retirement savings and investments, creates an acceptable cash flow plan for their future.\u201d<\/p>\n

Conversely, she said some choose to delay receiving their Social Security benefit until later in life to maximize the monthly benefit and, therefore, the monthly cash available to spend in their retirement years.<\/p>\n

Why Timing Isn\u2019t Just About The Monthly Check <\/p>\n

\u201cThe most common misconception about Social Security is that it is just a monthly check,\u201d Akin emphasized.<\/p>\n","protected":false},"excerpt":{"rendered":"wavebreakmedia \/ Shutterstock.com Timing matters more than most people think when it comes to Social Security \u2014 and…\n","protected":false},"author":2,"featured_media":474648,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[72,176,61,60,174,175,1615,1617,19903],"class_list":["post-474647","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-finance","tag-ie","tag-ireland","tag-personal-finance","tag-personalfinance","tag-social-security","tag-social-security-administration","tag-social-security-benefit"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/474647","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/comments?post=474647"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/474647\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media\/474648"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media?parent=474647"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/categories?post=474647"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/tags?post=474647"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}