When should you take Social Security?

• Life expectancy – For all of us, it's one of life's great mysteries: How long will we live? Of course, we can't see into the future, so the question can't be answered with total confidence. But to make an informed decision on when to take Social Security, you don't need to know your exact lifespan — you just need to make a reasonably good estimate. So, for example, if you're approaching 62, you're enjoying excellent health and you have a family history of longevity, you might conclude it's worth waiting a few years to collect Social Security, so you can receive the bigger payments. Conversely, if your health is questionable and your family has not been fortunate in terms of longevity, you might want to start taking your benefits earlier.
• Employment – You can certainly continue working and still receive Social Security benefits. However, if you're under your full retirement age for the entire year, Social Security will deduct $1 from your benefits for every $2 you earn above the annual limit of $22,320. In the year you reach your full retirement age, Social Security will deduct $1 in benefits for every $3 you earn above $59,520. So, you may want to keep these reductions in mind when deciding when to begin accepting benefits. Once you reach your full retirement age, you can earn any amount without losing benefits. (Also, at your full retirement age, Social Security will recalculate your benefit amount to credit you for the months you received reduced benefits because of your excess earnings.)
• Spouse – Spouses can receive two types of Social Security benefits: spousal and survivor. With a spousal benefit, your spouse can receive up to 50 percent of your full retirement benefits, regardless of when you start taking them. (Your spouse's benefit can be reduced by the amount of their own retirement benefit and whether they took Social Security before their full retirement age.) But with a survivor benefit, your decision about when to take Social Security can make a big difference. A surviving spouse can receive the larger of their own benefit or 100 percent of a deceased spouse's benefit, so if you take benefits early and receive a permanent reduction, your spouse's survivor benefit may also be reduced for their lifetime.

Northern Berkshire United Way: 1990's Big Goals, Shifting Needs

By Tammy DanielsiBerkshires Staff
06:18PM / Monday, September 07, 2026

Northern Berkshire United Way is celebrating its 90th anniversary this year. Each month, we will take a look back at the agency's milestones over the decades. This part looks at the 1990s era as reported in the North Adams Transcript.

 

Northern Berkshire United Way saw its campaign goals rise to a half-million or more over the decade.

NORTH ADAMS, Mass. — Northern Berkshire United Way entered the 1990s with big goals — and met almost all of them. It ended the decade with the largest campaign in its history.

 

It wasn't easy; the area was still reeling from closures and layoffs, including from General Electric and Waverly Fabrics. The first campaign of the decade saw a historic $500,000 goal only meet 93 percent of its goal. 

 

"We lost tens of thousands of dollars from firms and employees that contributed last year," said Daniel Bird, board vice president told the 150 gathered for the 1990 campaign conclusion, as reported by the Transcript. "There were just fewer to give because of closings and layoffs. What we did see were tens of thousands in new and increased gifts which brought us to the high percentage of  goal, and we are grateful."

 

The agency lowered its sights to $480,000 the following year and beat that number, possibly by pulling out all the stops. The four co-chairs that year could heavily rely on prayer — the Rev. Lawrence Provenzano of St. John's, the Rev. Betty Lou Ure of First Congregational, and Lts. Cheriann and Kevin Stoops of the Salvation Army.

 

They even sang a rap song that year, with lyrics including "the United Way is in our town to help the people who are down / some are young, some are old, some are living, some are cold / but you are here to make this work, to raise the funds, you will not shirk!"

 

Mayor John Barrett III and state Rep. Daniel Bosley promised a "big splash" for the campaign with a set up photo of a "plunge" into a wading pool. (They had promised the YMCA pool but were in Boston to talk about a museum in the former Sprague complex.)

 

Provenzano thought the success was because "people knew how desperate the situation was."