# Social Security Claiming Age Boost

> Delaying Social Security until 70 adds 24% to monthly checks for life.
- Title: Social Security Claiming Age Boost · 24/7 Wall St. | Shortify
- Summary: Delaying Social Security until 70 adds 24% to monthly checks for life. Claiming Social Security at 70 instead of 67 increases monthly benefits by 24%…
- Keywords: social security, claiming age, benefits, retirement, filing age, monthly checks, 24%, full retirement age, Social, Security, Claiming, Age
- Source: 24/7 Wall St. — https://247wallst.com/personal-finance/2026/09/22/claiming-social-security-at-70-instead-of-67-adds-24-to-every-check-for-life
- Author: Maurie Backman
- Published: 2026-09-22T23:28:40+00:00
- Read time: 1 min
- Topics: social security, claiming age, benefits, retirement, filing age, monthly checks, 24%, 70, 67, full retirement age
## Social Security Filing Age
Your Social Security filing age locks in your monthly benefit forever, so getting it wrong costs you for the rest of your life.
## Filing Before Full Retirement Age
If you don’t wait for full retirement age (FRA) to arrive, which is 67 if you were born in 1960 or later, your monthly benefits will be permanently reduced.
## Filing at Full Retirement Age
If you file at FRA, you’ll get the exact monthly benefit you’re entitled to based on your personal income history.
## Delaying Benefits Increases Checks
Each year you wait boosts your checks by 8% for life, so filing at 70 allows checks that are 24% higher permanently.
## 70 Filing Age Strategy
To claim Social Security at 70, you need to cover bills during the interim, either by working until 70 or building a nest egg for withdrawals.
## Health and Longevity Considerations
Claiming Social Security at 70 gives a 24% monthly boost but may not provide more lifetime income if you don’t live into your 80s.
## Key takeaway

Claiming Social Security at 70 instead of 67 increases monthly benefits by 24% permanently.