In this guide
When should I start my benefits?
Start with your own record
Use the Social Security Administration's website to review your earnings record and benefit estimates. Keep the information for your own planning; there is no need to share an account login or Social Security number here.
Look beyond a single monthly number
List the income you expect from work, pensions, savings, and other sources. Think about how you would cover expenses between leaving work and starting benefits. A useful conversation considers the whole household.
Bring the questions that are specific to you
Work plans, a spouse's benefits, and changes in family circumstances can raise different questions. Ask the SSA to confirm the rules and options that apply to your record before you act.
Keep learning from official sources
Use official guidance for current rules and your personal circumstances.
Social Security Administration — Retirement benefits (opens in a new tab)For general education and conversation preparation. This is not individualized financial, investment, tax, legal, or insurance advice. Talking Turning 65 is a private resource, not a government agency. Read our disclosures.