People are rushing to claim social security early – here’s why

Fear of future cuts, political chaos, and long wait times are driving a surge in early Social Security claims.

Modified on:
April 30, 2025 2:23 pm

Trump swore that he would not cut Medicare, Social Security, or Medicaid, notwithstanding the gnawing pressure within the Republican Party to find some funds for his tax cuts. The president also seemed to have been speculating in front of the crowd about a potential third term when his aide Margo Martin yelled out, “Trump 2028,” responding to raucous cheers from the audience, an act his aides understand to be a bit of a tease under the due provisions of the Constitution.

A-look forward

As Trump nears the 100-day milestone of his administration, the president is chiefly preoccupied with immigration enforcement, trade deals, and the alteration of the federal government. He is still besieged with lawsuits and skepticism among voters and experts; however, he sort of insists that he is only getting warmed up. 

This is only the beginning,” stated Trump. “And America is back.”

Child boomers and legislative changes build pressure

Acts of federal structural factors are contributory to fear being a great factor. It leads to greater claims-the large wave of baby boomers entering retirement age. Moreover, a rise in claims from public-sector workers newly entitled to enjoy benefits was also accorded by the Social Security Fairness Act that has recently been enacted.

A vicious cycle of delays and frustration

Greatly talked about are long times to wait in offices or on call at the SSA as more people come in to call them. Online therefore becomes full of complaints echoing something like, 2 and a half hours without any answer, propelling further anxiety and extra clogging of the system.

Experts fear that a vital record amidst the changes in leadership and the DOGE restructuring could be lost. Kamarck advises retirees to keep digital and printed copies of their earnings records and should, if needed, seek help from their congressional representatives.

Should you claim early?

It may seem safer to claim a benefit now but could prove very costly to do so. Americans are allowed to accept Social Security benefits at age 62; however, the dollar amount of the benefit increases each year they delay up to age 70. Those who live into their 80s usually do better waiting to draw benefits. 

Panic, according to Nancy Altman, president of Social Security Works, is not a cause for an early retirement. “The correct response is not to claim benefits before you’re ready,” she said. “Contact your members of Congress and demand oversight to ensure that doesn’t happen.”

Bottom line: The rush to claim Social Security may be understandable, but it’s not always wise. As uncertainty continues, experts encourage Americans to remain calm, informed, and engaged with their elected officials.

Lawrence Udia
Lawrence Udiahttps://polifinus.com/author/lawrence-u/
I am a journalist specializing in delivering the latest news on politics, IRS updates, retail trends, SNAP payments, and Social Security. My role involves monitoring developments in these areas, analyzing their impact on everyday Americans, and ensuring readers are informed about significant changes that could affect their lives.

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