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Half of Retirees Claim Social Security Before Full Retirement Age. Only 4% Wait for the Biggest Check.
FG
FOMOGRAM Editorial Desk
Aug 3, 2026
EXECUTIVE SUMMARY
The math behind delaying Social Security past 67 is hard to argue with, yet the vast majority of retirees walk away from it. The reason has less to do with ignorance than with what household balance sheets actually look like in the years before claiming begins.
The math behind delaying Social Security past 67 is hard to argue with, yet the vast majority of retirees walk away from it. The reason has less to do with ignorance than with what household balance sheets actually look like in the years before claiming begins.
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