Social Security at 68: 108% of Full Benefit
108%
of Full Retirement Benefit
Delayed credits applied
If full benefit = $1,200/mo
$1,296/mo
If full benefit = $1,600/mo
$1,728/mo
If full benefit = $2,000/mo
$2,160/mo
If full benefit = $2,500/mo
$2,700/mo
If full benefit = $3,000/mo
$3,240/mo
The Claiming Age Decision
Claiming at 68 gives you 108% of your Primary Insurance Amount (PIA). Delayed Retirement Credits add 8%/year from 67 to 70 — the highest guaranteed return available to retirees. Breakeven vs claiming at 67: ~78 years old.