As you know that you can claim Social Security benefits at the age of 62 – but should you?
Many of my clients will ask a question about retirement planning, and while I am not a financial planner, I do in fact have some things to tell each client as they head into retirement. There is not one single answer for every individual, and there are indeed several different things that seem to go into whether someone should delay claiming their Social Security retirement. However, before you head down to your local Social Security office on the day you turn 62, you should decide how long it will be until you break even on your benefits.
Many people applying for Social Security do not realize the importance their medical records have on the outcome of their cases. Someone who wants to qualify for assistance must be treating with at least a primary care physician. However, specialists can be an added bonus in proving that someone is unable to return to work. Medical treatment is not an easy feat for most people, as far too many Americans do not have health insurance and they have limited financial resources.
If this sounds like your situation, then perhaps you can check your local area for county or city indigent health care programs. There are also hospital-run clinics, and private clin...