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Dear Rusty: I am a woman, turning 65 this November (2025). It seems that deciding when to claim Social Security is complicated. I would like more information to navigate through this maze. Thank you. Signed: Ready to Claim Dear Ready: Deciding when to claim Social Security can be challenging, but we hope to make it a bit easier for you. You can, of course, call us at any time to speak to one of our certified Social Security Advisors, but I’ll share some pertinent information here as well.
Be aware that at age 65, you have not yet reached your Social Security (SS) full retirement age (FRA). Born in1960, your FRA is age 67, and that is when you can get 100% of the SS benefit you’ve earned from a lifetime of working. If you claim SS at age 65, your monthly amount will be reduced by about 13.3% from your age 67 entitlement (a permanent reduction). If you wait a bit more and claim at age 66 the reduction would be about 6.7%. To get 100% of your “primary insurance amount” you should wait until age 67 to claim. Note you can also wait longer than your FRA and earn Delayed Retirement Credits up to age 70, when your monthly amount would be about 24% more than your FRA entitlement.
