Social Security Claiming, Survivor Planning, Retirement Income, and RMDs

The FRA phase-in ends at age 67 for people born in 1960 and later; claiming at 70 yields 124% of the FRA benefit, and delayed credits stop at 70. Recent coverage reiterates how RMDs affect taxes and IRMAA, including Form 1040 reporting distinctions for IRA and workplace-plan distributions. Benefit benchmarks and reported 2027 contribution limits and catch-up rules should be checked against SSA and IRS guidance.