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3: Analyze Your Decisions

Understand How Social Security Works

social security

General Guidelines

  • If you can, work at least 35 years.
  • Work until full retirement age (FRA), unless other conditions push you into retirement.
  • There is not an ideal age to start receiving Social Security benefits; it is a personal decision based on your situation.

One of the most important things you will do as you plan for your retirement is to decide when to claim Social Security benefits. But, what do you know about how Social Security works? In this section, you will explore your knowledge of Social Security to make mindful decisions about taking benefits.

check the facts

Reliable Resources

  • The Social Security Administration offers a full range of resources dedicated to applying for and taking Social Security benefits (including survivor and disability benefits). Start your search at the Benefits Planner: Your Future Benefits website.
  • My Retirement Paycheck is dedicated to retirement issues. Check out the information on Social Security if you need more help.
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