NARSSA survey finds most Americans want to claim Social Security early

A nationwide survey of 189 Registered Social Security Analysts found that 73.5% of clients want to claim Social Security before benefits could change, reflecting widespread fear about the program’s future. The results suggest uncertainty, confusion and tax concerns are shaping retirement decisions for Americans across 47 states.

Why it matters: - The survey points to a growing disconnect between Social Security strategy and retirement planning. - Rising concern about solvency is pushing many Americans toward earlier claiming decisions, even when delaying could improve lifetime benefits. - The findings could affect how financial advisers, analysts and retirement planners frame Social Security guidance.

What happened: - The National Association of Registered Social Security Analysts surveyed 189 Registered Social Security Analysts nationwide. - The 12-question survey closed Monday, Aug. 17, 2026. - Respondents work at sole-owner businesses, multi-agent firms and regional or national financial services companies. - NARSSA said its RSSAs are based in 47 states and handle questions on filing ages, spousal strategies, ex-spousal benefits, survivor benefits and self-employed guidance.

The details: - 82.6% of respondents reported that demand from Americans for Social Security guidance has increased over the last three years. - 73.5% of clients want to claim early before benefits change. - 58.7% of clients doubt Congress will fix Social Security’s funding problem. - 41.3% want to claim early because of uncertainty about funding. - 24.3% worry they will not live long enough for delayed claiming to pay off. - 62.4% of clients are overwhelmed by conflicting advice. - 45% want a simple answer on the best age to claim benefits. - 34.9% of clients are surprised Social Security benefits may be taxable. - 33.9% feel they are being taxed twice. - 56.1% of clients either do not see the tax connection or view required minimum distributions as separate from Social Security. - Martha Shedden, NARSSA president, said many Americans are claiming early because of uncertainty about the program’s future rather than because it is the best financial choice. - Shedden said the results show fear and confusion are influencing one of the most important retirement decisions people make.

Between the lines: - The survey suggests Social Security anxiety is now a behavioral driver, not just a planning issue. - The results also show a communication gap around taxation, required minimum distributions and claiming tradeoffs. - NARSSA is positioning trained analysts as a go-to source for clearer Social Security guidance.

What's next: - NARSSA says the full survey results are available through its Local Media Inquiry portal. - Local media outlets can use the portal to request interviews with certified Social Security experts. - The organization continues to promote its RSSA education, credentialing and software tools for advisers and consumers.

The bottom line: - Fear of future cuts appears to be pulling many Americans toward early Social Security claims, even as confusion and tax misconceptions complicate the decision.

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