The difference between claiming Social Security as early as possible and waiting for the maximum benefit is significant. As of December 2025, the average benefit for 70-year-olds is $2,274.68 per month, while 62-year-olds receive $1,424.40 per month, according to the Social Security Administration (SSA). That's a monthly gap of $850.28. When you look at the annual total, the difference is even more stark. That gap adds up to $10,203.36 per year. While starting early provides checks sooner, each payment is substantially smaller than those received by older beneficiaries in the system. Image source: Getty Images.
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