One of the most important financial decisions for your future is deciding when to claim your Social Security benefits, and various tech tools are available to help you make that decision. Benefits are available as early as age 62, but your annual benefits increase in amount each year you wait until age 70. Married couples can take advantage of spousal benefits, which can boost a household’s lifetime benefits. Divorced people and survivors are also eligible to claim benefits. Waiting as long as possible can increase lifetime benefits substantially. Setting up a free account at the Social Security administration’s website is a good first step toward understanding the benefits available to you.

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