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Tucson Social Security Disability Blog

Retirement Benefits At 62? The Debate That Will Not Die

Posted by John Kuhnlein | Jun 04, 2020 | 0 Comments

As you are probably aware, Social Security allows a person to start to collect their retirement benefits at any age between 62 and 70. If you collect at 62, your retirement checks are greatly reduced. If you wait until age 70, those same

Not This Again

monthly checks are much higher.  I have always maintained that a person should wait to age 70 to collect if possible.  That said, the debate rages on.

Don't Wait, Says One Advisor

The Washington Post published an article on this topic. In it, they quote Bill Roberts, a financial adviser in North Carolina.  According to Mr. Roberts (Henry Fonda?), the smartest thing is to Go On, Take The Money And Run

One Marshmallow?

With all due respect to Mr. Roberts, this is not good advice. His approach is that of the one-marshmallow tribe. It is short-sighted and lacking in the sort of discipline that makes for wise financial strategy. I have said for years that

One Or Two?

allowing people to collect their benefits early is one of the most diabolical government ideas ever. It takes advantage of human nature to cheat people out of benefits they are otherwise entitled to.

Why Not The Full Monty?

Social Security should go all in and offer such ideas as:

*   Retire at 52 and get half your benefits or 42 and get a quarter of your benefits

*   Take a lump sum upon retiring

*   Trade your Social Security retirement benefits for a handful of beans.

Your Choice (Don't Screw It Up)

It's your retirement, so do it any way you wish. But, if you want to be smart about it, hold off until age 70 to start collecting Social Security retirement benefits.

About the Author

John Kuhnlein

Since 1992, I have been helping the people of Southern Arizona get the benefits they are due. Before devoting all my efforts to assisting people with Social Security disability claims, I also handled such complex lawsuits as medical malpractice and products liability. I brought to my Social Security cases all the skills and attention to detail that I developed in the courtroom. I approach each Social Security disability case as if it were a million-dollar lawsuit. For the people trying to get Social Security benefits, their claim is every bit as important. Because I have personally handled so many Social Security cases, I have refined the skills I need to win your case for you. I have helped people win cases for every kind of ailment from arthritis to valley fever. At present, I am focused on helping those persons with neurological and orthopedic disorders. Because claims for people over age fifty bring additional complications, I particularly seek out those cases to work on. I regularly write about back and spine conditions on my blog. I actively seek out the latest information about orthopedic and neurological disorders to ensure I can represent my clients as effectively as possible. Because of my current focus, I regret that I am not able to take any cases for mental disorders. If you are over age fifty and suffer from any orthopedic or neurological disorder, please contact me at once.


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John Kuhnlein has been assisting people with Social Security disability claims for the past 20 years.

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Feel free to call with any questions or concerns you have about Social Security disability. I never charge for a consultation. In fact, there is no charge at all until we win your case. Unlike most lawyers, I never charge extra for things like telephone calls or making copies.