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Let's claim that the inflation rate was 3.4% (the long-term average) during each one of those months and months. When you start collecting at 66, that benefit possess grown to $1433/month. A person have waited until age 70 to collect, the monthly base benefit would be $1639. However, at age 70, merely fewer increase that $1639 by an additional 36% to $2229/month when you got the compounded 8% for each year you waited. The inflation adjustment each year would not be a gain in real terms because truly would assist offset an improved cost-of-living. However, as require to the math, be guaranteed to factor this in.

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