For someone born in 1960 or later (full retirement age 67), claiming at 68 pays about 108% of your full benefit — an increase of about 8% versus your full amount.
Compare every claim age for your own numbers.
Adjacent ages: Claiming at 67 · Claiming at 69.
Based on SSA's published reduction and delayed-credit formulas. General information, not financial advice.
Updated July 2026