Social Security Resources for Seniors
Plain-English guides to Social Security benefits, claiming strategies, and updates. No jargon, no sales pitches — just helpful information from a nonprofit.
Social Security Guides
When to Claim Social Security
62, 67, or 70? The best age to claim depends on your situation. Here's how to decide.
2026 COLA Update
Cost-of-Living Adjustment for 2026: what it means for your monthly check.
Is Social Security Taxable?
Up to 85% of your benefits may be taxed. Learn the income thresholds.
Spousal & Survivor Benefits
Benefits available to spouses, ex-spouses, and surviving partners.
When Should You Claim Social Security?
Age 62 (Early)
You can start as early as 62, but your benefit is permanently reduced by up to 30%. Makes sense if you need the income now or have health concerns.
Full Retirement Age (66-67)
For those born 1960 or later, FRA is 67. You get 100% of your calculated benefit. This is the "standard" choice for most people.
Age 70 (Delayed)
Every year you delay past FRA, your benefit grows 8%. At 70, you get 124% of your FRA amount. Best if you're healthy and can afford to wait.
2026 Cost-of-Living Adjustment (COLA)
Each year, Social Security benefits are adjusted for inflation based on the Consumer Price Index. The 2026 COLA will be announced in October 2025 and take effect in January 2026.
2.5%
2025 COLA
$1,976
Avg. Monthly Benefit (2025)
Is Social Security Taxable?
It depends on your "combined income" (AGI + nontaxable interest + half your SS benefits):
For married couples filing jointly, thresholds are $32,000 and $44,000. Source: SSA.gov
Spousal & Survivor Benefits
Spousal Benefits
You may receive up to 50% of your spouse's benefit if that's higher than your own. You must be 62+ and your spouse must have filed for their benefits.
Ex-Spouse Benefits
If married 10+ years and currently unmarried, you may claim on your ex's record without affecting their benefits.
Survivor Benefits
Widows/widowers can receive 100% of the deceased spouse's benefit at full retirement age, or reduced benefits starting at 60.
Dependent Benefits
Children under 18 (or disabled) may receive benefits based on a parent's record.
Social Security Quick Facts
Full Retirement Age
67 for those born 1960 or later. Check your exact FRA at ssa.gov/benefits/retirement.
Maximum Benefit (2025)
$4,018/month at age 67. $5,108/month if you wait until 70.
Earnings Test (Under FRA)
If working before FRA, $1 is withheld for every $2 earned above $22,320 (2024).
Stay Active with Grace Blanket
Find evidence-based wellness programs at certified studios near you.