What Social Security Owes You in 2026 — Find Your Birth Year (Most People Never Claim It)

• FREE — The 7 Biggest Social Security Mistakes: https://benefitsinsider.co/social-security-mistakes • Go deeper — Social Security Benefit Audit ($47): https://seniorfirststore.com/products/social-security-benefit-audit Born before 1966? Your exact birth year decides what Social Security owes you in 2026 — and most people never check. In this video I break it down by group, from 1943 all the way to 1966 and later: the survivor benefit widows and widowers miss, the exact full retirement age for every birth year, the 62-vs-67 decision in real dollars, a 6-month back-pay option almost nobody asks about, and the free earnings-record fix you can do today. No panic. No politics. Just clarity. What this video covers: • Group 1 (1943–1954): survivor benefit up to 100% + IRMAA appeal (Form SSA-44) • Group 2 (1955–1959): your exact full retirement age, the 8%/yr delay credit, the 2026 earnings test • Group 3 (1960–1965): the 62-vs-67 decision in real dollars + the 6-month lump-sum back pay • Group 4 (1966+): how to lock in up to 24% more and fix your earnings record for free Chapters: 0:00 Born before 1966? Start here 0:20 What it costs if you don't know your number 0:50 Find your group 1:30 Group 1 — Born 1943–1954: survivor benefit + IRMAA 3:15 Group 2 — Born 1955–1959: your exact FRA + earnings test 5:30 Group 3 — Born 1960–1965: 62 vs 67 + 6-month back pay 7:45 Group 4 — Born 1966 or later: lock it in 9:15 Your move, by group 10:00 Free guide + Benefit Audit Free + resources: 💊 FREE MEDICARE HELP I work with Chapter Medicare — unbiased advisors who compare 24,000+ plans at no cost to you. No pressure. No commissions. 📞 (539) 205-2147 🌐 https://askchapter.org/insider 📧 FREE NEWSLETTER — The 'Daily 3' Social Security & Medicare clarity, no hype. 👉 https://benefitsinsider.co/subscribe 👥 JOIN OUR 55+ COMMUNITY Next Chapter on Skool — go deeper on every topic. 👉 https://www.skool.com/benefits-insider ──────────────────────────────── DISCLAIMER: Benefits Insider is not a government website or agency and is not associated with the SSA, USDA, or any federal entity. Content is for informational purposes only — not legal or tax advice. Based on 15+ years of research and experience. Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options.