In the U.S., the monthly payments increase the longer one works—researchers have now examined whether delaying retirement is financially worthwhile.

• Earlier retirement: Researchers have analyzed data from the United States to examine whether retiring earlier is worthwhile.
• Findings: The study shows that the financial risk of delaying retirement particularly affects men and low-income groups in the U.S.
• Making the most of it: For sick individuals in the U.S., retiring early can help them receive some of the benefits they paid for—even if they do not have long to live.