Terms of Service

Last updated: August 2, 2026

These terms govern your use of WhenToClaimSocialSecurity.com (“we”, “us”). By using the site, including the Social Security Break-Even Calculator, you agree to these terms. Read the Privacy Policy for how information is handled.

Educational use only

The calculator provides educational estimates of cumulative benefit comparisons. It is not a substitute for a personalized benefits estimate from the Social Security Administration.

No advice

Nothing on this site is financial, tax, legal, or retirement advice. Decisions about when to claim Social Security are personal; consider professional guidance for your situation.

No warranty

The site is provided “as is” and “as available” without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose, or non-infringement. Rule constants and outputs may change as public rules are clarified.

Limitation of liability

To the maximum extent permitted by law, we are not liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or inability to use the site.

Intellectual property

Site content, text, and design are owned by us or licensed to us. You may not reproduce, modify, or redistribute them for commercial purposes without permission.

External links

The site links to third-party resources (for example ssa.gov) for your convenience. We do not control and are not responsible for their content or practices.

No affiliation

This site is not affiliated with, endorsed by, or sponsored by the U.S. Social Security Administration or any government agency.

Changes to these terms

We may update these terms from time to time. The “Last updated” date above shows when they were last revised. Continued use of the site after changes means you accept the revised terms.

Contact

Questions about these terms can be sent through the Contact page.