About Benefora
Benefora is an educational initiative dedicated to helping Americans make informed Social Security claiming decisions through evidence-based guidance accessible to everyone.
Why We Exist
Social Security is the foundation of retirement income for most Americans, yet the claiming decision is one of the most complex and consequential financial choices people face. The difference between claiming at the right time versus the wrong time can mean over $100,000 in lifetime benefits.
Despite this enormous impact, most Americans receive little to no guidance on when to claim. The Social Security Administration provides information but not personalized recommendations. Financial advisors often focus on wealthier clients. And online resources can be confusing, incomplete, or biased toward selling products.
Benefora was created to fill this gap—providing clear, research-backed education that helps everyday Americans understand their options and make confident decisions.
How We're Different
vs. SSA.gov
Benefora provides personalized guidance.
The SSA provides essential information but doesn't offer personalized claiming guidance. Benefora translates complex rules into clear, actionable recommendations tailored to your situation.
vs. Financial Advisors
Benefora is free and available for everyone.
Many financial advisors charge hundreds or thousands of dollars for Social Security analysis. Benefora provides free educational tools and affordable resources accessible to everyone, regardless of wealth.
vs. AARP & Other Resources
Benefora helps specifically with claiming decisions.
While organizations like AARP provide helpful general information, Benefora focuses specifically on the claiming decision with interactive tools and personalized assessments that go beyond generic advice.
Our Approach
Everything we build is grounded in evidence. Our methodology draws from:
- Peer-reviewed research on optimal Social Security claiming strategies
- Official SSA data and formulas for accurate benefit calculations
- Actuarial science for life expectancy and break-even analysis
- Behavioral economics to present information in a way that supports clear decision-making
What people say about our free tools
Reviews from Americans who used Benefora’s free calculators and educational resources.
Contact Us
Have questions or feedback? We'd love to hear from you. Reach out at hello@benefora.org