Originally posted by Racer X 69 @65 here. My state pension pays maximum then.
We can take ours at 60 here, but if we don't it keeps increasing until 70. my wife hits 65 this year and may take it (though she may work another couple of years there is a 6 year gap in our ages)
...there is an argument for taking it early even if you keep working...it depends on how long-lived your line is there is a break-even point where it becomes better to have waited . for every month early you take it you get 0.6% less, and for every month you delay you gain 0.6% delaying until 70 raises the payout by 36% , if you come from a long-lived line delay is worthwhile., if there is a history of being shorter-lived then take it early .