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Social Security

When you're ready to move from saving to living, a Social Security claiming strategy can help you maximize your benefit in retirement.

Deciding when to apply for Social Security depends on many factors.

The Social Security Benefits Calculator can help make the decision easier.

If you are planning with a spouse, or are claiming benefits after being widowed or divorced, understanding when to claim benefits could maximize your lifetime benefit.

You've earned it. Now let's get started.

It pays to wait

Waiting until age 70 to claim could increase your monthly payment by at least 24%.

Maximize your benefit

If eligible, combining Social Security retirement benefits could maximize your household's benefit amount even further.

Mark your calendars

Be sure to apply for your benefit 4 months before you expect to receive them.

Learn more about Social Security

Your retirement journey

Whether you're transitioning to retirement or still saving, find the tools to help you prepare.

Saving for retirement

No matter where you are in your career, these tips will help keep you on the right path.

Income in retirement

How much you've saved, how much you'll need, and how to create an income plan for cash flow designed to last.

Open an account

Have questions about retirement income planning?
Call 800-343-3548

The estimated Social Security retirement benefits calculated by the Tool and the possible benefits claiming strategies generated by the Tool are hypothetical and are not guarantees of Social Security retirement benefits.

Social Security retirement benefits are very complex and determined by the Social Security Administration. Visit www.ssa.gov before making your claiming decision. Additional detailed information about the Tool's methodology is available, see GRP Social Security Methodology (PDF).

Fidelity does not provide legal or tax advice. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity cannot guarantee that the information herein is accurate, complete, or timely. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation.

Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

758927.9.0

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