this post was submitted on 30 Jun 2025
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Finance

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Should you claim your pension early or wait? (www.mpg.de)
submitted 5 days ago by Pro@reddthat.com to c/finance@beehaw.org
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In the U.S., the monthly payments increase the longer one works—researchers have now examined whether delaying retirement is financially worthwhile.

  • Earlier retirement: Researchers have analyzed data from the United States to examine whether retiring earlier is worthwhile.
  • Findings: The study shows that the financial risk of delaying retirement particularly affects men and low-income groups in the U.S.
  • Making the most of it: For sick individuals in the U.S., retiring early can help them receive some of the benefits they paid for—even if they do not have long to live.
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[–] furrowsofar@beehaw.org 1 points 4 days ago

The poor health argument might be valid.

The low income argument on the other hand would suggest continue working and waiting until the SS, pension, and other income sources is enough. Even with poor health you kind of have to still do that to some extent. Don't get their conclusion about all of that regarding how one can retire without enough income. Just bonkers.

The article was not US based so they really do not understand US retirement anyway. What they mean by pension is Social Security. In the US pension means another form of pension like a corporate or government pension separate from social security.