{
  "id": 19946708,
  "title": "Planning to Claim Social Security at 62? Here Are 3 Critical Questions to Ask Yourself First",
  "url": "https://urgent.news/2026/11/14/planning-to-claim-social-security-at-62-here-are-3-critical-questions",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-11-14T08:06:02.000Z",
  "source": {
    "name": "Motley Fool",
    "slug": "motley-fool",
    "url": "https://www.fool.com/retirement/2026/11/14/planning-to-claim-social-security-at-62-here-are-3-critical-questions-to-ask-yourself-first/?source=iedfolrf0000001"
  },
  "original_language": "en",
  "account": "For retirees considering claiming Social Security at 62, three critical questions must be answered first. First, it's essential to understand if your annual expenses will decrease in retirement. While some costs may drop, others like healthcare and entertainment could increase. Creating a detailed budget can help determine if early Social Security benefits will cover your needs. Second, assess other income sources to meet your retirement spending goals. If Social Security alone won't suffice, filing at 62 isn't advisable. Lastly, consider your life expectancy and family health history. Claiming early could reduce lifetime benefits, but health issues or a shorter lifespan might result in a larger total payout. Ultimately, weigh these factors to make an informed decision about claiming Social Security.",
  "summary": "Before taking benefits as early as possible, make sure you know what you're getting into.",
  "key_points": [
    "Assess if retirement expenses will decrease or increase",
    "Evaluate other income sources to meet retirement goals",
    "Consider life expectancy and family health history"
  ],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}