Cuándo hablar de los beneficios del Seguro Social

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El argumento es simple: cada año que esperas pasada la edad plena de jubilación, tu cheque mensual será un 8% más grande, una tasa de retorno anual de la inversión que es difícil de igualar. Dado que las personas están viviendo más tiempo, según el argumento, es probable que el retraso optimice tus beneficios a lo largo de tu vida. Pero otros especialistas en jubilación —incluidos algunos de AARP— señalan que, en algunos casos, es más sensato solicitar los beneficios antes. En realidad, la cuestión no siempre es clara. Para explorar la pregunta más a fondo, AARP les pidió a dos asesores financieros externos que discutan el caso. El experto: Kurt Czarnowski, es asesor de planificación jubilatoria y exdirector regional de comunicaciones de la Administración del Seguro Social. Si necesitas los cheques del Seguro Social para pagar el alquiler, comprar alimentos o cubrir gastos de salud, entonces la decisión es obvia: comienza a recibir beneficios cuando los necesites. ¿Y en el caso de tener cierto margen financiero? En la vida no hay garantías, y cuanto más temprano comiences a retirar un beneficio mensual, más temprano podrás usarlo para lo que quieras, dice Czarnowski. Y es posible que disfrutes más el dinero cuando eres más joven. Además, tratar de predecir tu esperanza de vida no siempre es una buena estrategia. “En tu familia puede haber una longevidad excepcional, y sin embargo tú podrías sufrir un accidente mañana”, dice Czarnowski. Incluso tiene más sentido recibir beneficios a la edad plena de jubilación o antes si tienes problemas de salud que podrían reducir tu expectativa de vida. En cuanto a los números, una ventaja de comenzar a recibir beneficios a los 66 o 67 años es que tu dinero se acumula durante un período más largo. Recién al cumplir 82 años y 6 meses llegarías al punto en que los beneficios totales que recibes del Seguro Social habrían sido más altos si hubieras esperado a los 70 para solicitarlos. Y si estás casado, puedes coordinar los beneficios con tu cónyuge de modo de obtener algunas de las ventajas de postergar el reclamo. Si tú eres el cónyuge que gana menos, por ejemplo, puedes tomar tus beneficios a la edad plena de jubilación, recibir cheques mensuales y, más adelante, reclamar los beneficios más altos de tu cónyuge —que los solicitó más tarde— si tú lo sobrevives. Y si tienes hijos menores de 18 años, cada uno de ellos puede cobrar la mitad de tus beneficios cada año una vez que los solicites. (No obstante, la familia en su totalidad no puede cobrar más del 180% del beneficio jubilatorio del padre o de la madre a la edad plena de jubilación). Por último, si decides recibir tus beneficios a la edad plena de jubilación, esa decisión no es irrevocable. “Si cambias de idea en los primeros 12 meses desde que comienzas tus beneficios, puedes devolver los beneficios que ya has recibido y comenzar de cero”, dice Czarnowski. Incluso después de ese límite de 12 meses, simplemente puedes suspender tus pagos de forma voluntaria y comenzar a hacer crecer tus beneficios a una tasa de dos tercios del 1% al mes, que equivale al 8% anual. La experta: Elaine Floyd, es directora de planificación vital y jubilatoria de Horsesmouth, una compañía de Nueva York que capacita a asesores financieros sobre estrategias para el Seguro Social y otros temas. Ese 8% de aumento anual en los beneficios no es insignificante; tres o cuatro años de créditos anuales del 8% pueden significar muchos más cientos de dólares en beneficios cada mes. Eso puede hacer que tengas menos preocupaciones en tu edad avanzada. “Es un seguro de longevidad en caso de que vivas mucho tiempo”, dice Floyd. El otro experto señala las ventajas de una estrategia de las parejas casadas sobre cuándo reclamar beneficios, pero es especialmente sensato que el cónyuge que gana más dinero espere a los 70 años. Por ejemplo, supongamos que un hombre cobra $2,600 por mes (o $31,200 al año) en beneficios del Seguro Social a la edad plena de jubilación, y su esposa recibe $1,800 por mes (o $21,600 al año), también a la edad plena de jubilación. Cuando él muere, su viuda puede reclamar un beneficio anual de sobreviviente de $31,200. Pero si él hubiera esperado a cumplir 70 años para reclamar sus beneficios, los beneficios anuales de sobreviviente serían de $41,184, aproximadamente $10,000 más por año. En cuanto a la posibilidad de morir joven y perder tus beneficios, “en la planificación financiera generalmente es mejor apostar a vivir más tiempo en vez de apostar a morir antes”, dice Floyd. Los datos la respaldan. A los 70 años, se anticipa que aproximadamente el 25% de los hombres vivirán hasta los 90 años o más. Para las mujeres, la proyección es que más del 35% llegarán a los 90. “Si bien las personas pueden querer inicialmente su dinero tan pronto como sea posible, a menudo cambian de idea una vez que analizan los números”, dice Floyd. Finalmente, si decides esperar, pero tienes una emergencia o solo cambias de idea, siempre puedes cambiar los planes y presentar la solicitud para comenzar a recibir beneficios. Cualquier tiempo que esperes después de tu edad plena de jubilación afectará los números, incluso si reclamas tus beneficios antes de cumplir 70 años. “Los beneficios aumentan dos tercios del 1% por cada mes que demoras los pagos del Seguro Social”, dice Floyd.", "image" : [ "https://www.aarp.org/content/dam/aarp/retirement/social-security/2022/02/1140-social-security-now-or-later-esp.jpg" ], "author" : [ { "@type" : "Person", "name" : "Lynn Asinof" } ], "publisher" : { "@type" : "Organization", "name" : "AARP", "url" : "https://www.aarp.org/", "description" : "AARP is a nonprofit, nonpartisan organization that empowers people to choose how they live as they age.", "logo" : { "@type" : "ImageObject", "url" : "https://cdn.aarp.net/content/dam/aarp/graphics/aarp_logos/120x30-aarp-header-logo-red.svg" }, "sameAs" : [ "https://www.facebook.com/AARP", "https://twitter.com/AARP/", "https://www.instagram.com/aarp/?hl=en", "https://www.linkedin.com/company/aarp/" ] }, "datePublished" : "2022-03-02T05:00:00+0000" } </script> <script src='//assets.adobedtm.com/launch-ENfc31ab1bac944ca8866743454782e0b0.min.js' async></script> </head> <body class="articlePage page basicpage" id="articlePage-b6c4171263"> <a href='#aarp-u-end-of-header' class="aarp-u-invisible">Skip to content</a> <div class="aarp-c-body-wrapper aarp-o-edit-mode-false aarp-o-body "> <div id="aarp-c-body"> <div class="root container responsivegrid uxdia-u-base-article-v2"> <div id="container-67e5a8f708" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid uxdia-u-bg-ads--utility-medium-grey uxdia-o-grid-container uxdia-o-grid-container@mobile @tablet uxdia-o-grid-container@laptop uxdia-o-grid-container@large-laptop uxdia-o-grid-container@larger-laptop aem-GridColumn aem-GridColumn--default--12"> <div id="container-0eada25bfb" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="advertisement parbase aem-GridColumn aem-GridColumn--default--12"> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad es clearfix" id="leader_31692" data-adsize="leader"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'leader_31692', size:'leader'}); } </script> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-o-header aarp-c-alert-bar-homepage__wrapper aem-GridColumn aem-GridColumn--default--12"> <div id="container-85cb4ec724" class="cmp-container"> <div class="uxdiaCacheableXF experiencefragment aarp-c-alert-bar--uxdia-theme aarp-c-alert-bar--uxdia-theme@tablet aarp-c-alert-bar--uxdia-theme@mobile"><div data-cmp-paywall-pageTitle="¿Deberías comenzar a recibir beneficios del Seguro Social ahora o más tarde?" id="uxdiaCacheableXF-6497f5ee36" class="cmp-experiencefragment cmp-experiencefragment--alert-bar-single-state"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="uxdiaResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="alertBar aem-GridColumn aem-GridColumn--default--12"> <div class="alert-bar--open"> <div class="aarp-c-alert-bar aarp-c-alert-bar@desktop aarp-c-alert-bar@tablet aarp-c-alert-bar@mobile "> <div class="aarp-c-alert-bar__container aarp-c-alert-bar__container@desktop aarp-c-alert-bar__container@tablet aarp-c-alert-bar__container@mobile"> <div class="aarp-c-alert-bar__column aarp-c-alert-bar__column-left"> <div id="text-b1c6a98c6d" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/es/alert-bar/alert-bar-single-state/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. 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<div class="combo-menu" role="listbox" id="listbox1" tabindex="-1">   </div> </div> <textarea class="combo-box-data" style="display:none;"> {"dropDownLabel":"Todos los temas","dropDownValue":"everywhere"},{"dropDownLabel":"Entretenimiento","dropDownValue":"entertainment"},{"dropDownLabel":"Salud","dropDownValue":"health"},{"dropDownLabel":"Dinero","dropDownValue":"money"},{"dropDownLabel":"Turismo","dropDownValue":"Travel"},{"dropDownLabel":"Trabajo","dropDownValue":"work"},{"dropDownLabel":"Beneficios para socios","dropDownValue":"member benefits"},{"dropDownLabel":"Cuidado familiar","dropDownValue":"caregiving"},{"dropDownLabel":"Hogar y familia","dropDownValue":"home and family"},{"dropDownLabel":"Seguro Social","dropDownValue":"social security"} </textarea> </div></div> </div> <div class="search-inputbox__container"> <input class="search-modal__inputbox" type="text" placeholder="¿Qué te podemos ayudar a encontrar?" aria-label="¿Qué te podemos ayudar a encontrar?"/> </div> <div class="search-button__container"> <button class="search__button" data-formelementid="SEARCH-BTN-CLK-MODAL-ES" onClick="s_objectID='SEARCH-BTN-CLK-MODAL-ES';"><span class="search-button__icon"></span>Buscar</button> </div> </div> </div> </div> <div class="search-modal__body"> <div class="search-modal-body__section"> <div class="search-popular__heading" role="heading" aria-level="3">Temas con más busquedas</div> <div class="search-popular-links__container"> <p class="search-popular__links"><span class="popular-search__icon"></span> <a data-formelementid="SEARCH-POPULAR-SEARCHES-MODAL-POS-ES1" onclick="s_objectID='SEARCH-POPULAR-SEARCHES-MODAL-POS-ES1';" href='/espanol/salud/'>Salud </a> </p> <p class="search-popular__links"><span class="popular-search__icon"></span> <a data-formelementid="SEARCH-POPULAR-SEARCHES-MODAL-POS-ES2" onclick="s_objectID='SEARCH-POPULAR-SEARCHES-MODAL-POS-ES2';" href='/espanol/dinero/'>Dinero </a> </p> <p class="search-popular__links"><span class="popular-search__icon"></span> <a data-formelementid="SEARCH-POPULAR-SEARCHES-MODAL-POS-ES3" onclick="s_objectID='SEARCH-POPULAR-SEARCHES-MODAL-POS-ES3';" href='/espanol/membresia/beneficios/ofertas-a-z/'>Beneficios para socios </a> </p> <p class="search-popular__links"><span class="popular-search__icon"></span> <a data-formelementid="SEARCH-POPULAR-SEARCHES-MODAL-POS-ES4" onclick="s_objectID='SEARCH-POPULAR-SEARCHES-MODAL-POS-ES4';" href='/espanol/membresia/beneficios/viaje/'>Descuentos de viaje de AARP </a> </p> <p class="search-popular__links"><span class="popular-search__icon"></span> <a data-formelementid="SEARCH-POPULAR-SEARCHES-MODAL-POS-ES5" onclick="s_objectID='SEARCH-POPULAR-SEARCHES-MODAL-POS-ES5';" href='/espanol/salud/medicare-y-medicaid/info-2022/inscripcion-abierta.html'>Inscripción abierta de Medicare </a> </p> </div> </div> <div class="search-modal-body-suggested__section"> <div class="search-popular__heading" role="heading" aria-level="3">Sugerido</div> <div class="search-suggestedlink-button__wrapper"> <a data-formelementid="SEARCH-SUGGESTED-LINKS-MODAL-POS-ES1" onclick="s_objectID='SEARCH-SUGGESTED-LINKS-MODAL-POS-ES1';" href='https://www.aarp.org/espanol/ayuda/' class="search-suggestedlink__button" role="button"> <span class="search-suggestedlink-button__text">Ayuda</span> <span class="search-arrow"></span> </a> <a data-formelementid="SEARCH-SUGGESTED-LINKS-MODAL-POS-ES2" onclick="s_objectID='SEARCH-SUGGESTED-LINKS-MODAL-POS-ES2';" href='https://login.aarp.org/online-community/loginform.action?request_locale=es' class="search-suggestedlink__button" role="button"> <span class="search-suggestedlink-button__text">Accede a tu perfíl en línea de AARP</span> <span class="search-arrow"></span> </a> <a data-formelementid="SEARCH-SUGGESTED-LINKS-MODAL-POS-ES3" onclick="s_objectID='SEARCH-SUGGESTED-LINKS-MODAL-POS-ES3';" href='https://secure.aarp.org/account/myaarp?request_locale=es' class="search-suggestedlink__button" role="button"> <span class="search-suggestedlink-button__text">Actualiza tu información</span> <span class="search-arrow"></span> </a> <a data-formelementid="SEARCH-SUGGESTED-LINKS-MODAL-POS-ES4" onclick="s_objectID='SEARCH-SUGGESTED-LINKS-MODAL-POS-ES4';" href='https://join.aarp.org/espanolnavjoin/' class="search-suggestedlink__button" role="button"> <span class="search-suggestedlink-button__text">Únete a AARP</span> <span class="search-arrow"></span> </a> <a data-formelementid="SEARCH-SUGGESTED-LINKS-MODAL-POS-ES5" onclick="s_objectID='SEARCH-SUGGESTED-LINKS-MODAL-POS-ES5';" href='https://ayuda.aarp.org/s/article/como-contactar-aarp' class="search-suggestedlink__button" role="button"> <span class="search-suggestedlink-button__text">Contactar a AARP en español</span> <span class="search-arrow"></span> </a> <a data-formelementid="SEARCH-SUGGESTED-LINKS-MODAL-POS-ES6" onclick="s_objectID='SEARCH-SUGGESTED-LINKS-MODAL-POS-ES6';" href='https://ayuda.aarp.org/s/article/imprimir-tarjeta-socio' 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id="button-5bb535a505-1732393819323" class="cmp-button" aria-label="Renew Now" href='https://join.aarp.org/orgartres?intcmp=ISEARCH-MEMBERSHIP-DEFAULT-RENEW-BAU-ES'> <span class="cmp-button__text">Renueva ahora</span> </a> </div> </div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> </section> </div> </div> </div> </div> </div></div> <div class="uxdiaCacheableXF experiencefragment aem-GridColumn aem-GridColumn--default--12"><div data-cmp-paywall-pageTitle="Target ESP" id="uxdiaCacheableXF-ed4258cb15" class="cmp-experiencefragment cmp-experiencefragment--mega-menu"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="uxdiaResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid uxdia-c-megamenu uxdia-c-megamenu@tablet uxdia-c-megamenu@desktop aem-GridColumn aem-GridColumn--default--12"> <div 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uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Vida Sana</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/espanol/salud/vida-saludable/info-2023/perder-peso-despues-de-los-70.html'> Cómo el peso afecta tu salud</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663661439464/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_825176922.coreimg.50.276.jpeg/content/dam/aarp/health/conditions_treatments/2016/06/1140-01-train-brain-hear-better-start-slow-esp.jpg" alt="Una mujer se alista para colocarse un audífono" title="Una mujer se alista para colocarse un audífono" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Una mujer se alista para colocarse un audífono"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p 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data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663661439464/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.jpeg/content/dam/aarp/health/brain_health/2023-11/brain-health-resource-center/1140-brain-star-constellation-v2-esp.jpg" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663661439464/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.jpeg/content/dam/aarp/health/brain_health/2023-11/brain-health-resource-center/1140-brain-star-constellation-v2-esp.jpg" alt="Ilustración de una constelación en forma de cerebro en una noche oscura" title="Ilustración de una constelación en forma de cerebro en una noche oscura" width="1800" height="1034"/> </picture> <meta itemprop="caption" content="Ilustración de una constelación en forma de cerebro en una noche oscura"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663661439464/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_237917982.coreimg.50.276.jpeg/content/dam/aarp/health/conditions_treatments/2023/02/1140-eye-drop-illo-esp.jpg" alt="Ilustración de un ojo y un gotero que deja caer una gota" title="Ilustración de un ojo y un gotero que deja caer una gota" width="1140" height="654"/> </picture> <meta itemprop="caption" content="Ilustración de un ojo y un gotero que deja caer una gota"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p 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Repórtalo" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/espanol/dinero/estafas-y-fraudes/linea-de-ayuda-de-la-red-contra-el-fraude/' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="¿Víctima de fraude? Repórtalo"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="aa9b245b-ef2c-45d1-94f4-7ab97475e1ec" id="image-13f2633aa3" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1660590175920/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.jpeg/content/dam/aarp/money/scams_fraud/2021/03/1140-helpline-opt-c-esp.jpg" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1660590175920/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.jpeg/content/dam/aarp/money/scams_fraud/2021/03/1140-helpline-opt-c-esp.jpg" alt="Gráfica mostrando a una agente de servicio al cliente y en una burbuja una mujer mientras contesta el teléfono " title="Gráfica mostrando a una agente de servicio al cliente y en una burbuja una mujer mientras contesta el teléfono " width="1140" height="655"/> </picture> <meta itemprop="caption" content="Gráfica mostrando a una agente de servicio al cliente y en una burbuja una mujer mientras contesta el teléfono "/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Estafas y fraudes</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/espanol/dinero/estafas-y-fraudes/linea-de-ayuda-de-la-red-contra-el-fraude/'> ¿Víctima de fraude? Repórtalo</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="3" data-posID="3"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/espanol/dinero/impuestos/centro-de-recursos/' data-formelementid="TILE_CLK-MONEY_TRIVIA_SCAMS_ES" aria-label="Cómo navegar tus impuestos" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/espanol/dinero/impuestos/centro-de-recursos/' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Cómo navegar tus impuestos"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="5713a49d-5146-42ff-b9db-3e2aa7315b82" id="image-b4763fb860" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1660590175920/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_835502192.coreimg.50.276.jpeg/content/dam/aarp/money/taxes/2024/03/1140x655-general-taxes-esp.jpg" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1660590175920/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_835502192.coreimg.50.276.jpeg/content/dam/aarp/money/taxes/2024/03/1140x655-general-taxes-esp.jpg" alt="Ilustración que muestra recibos, una planilla, una 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Cómo navegar tus impuestos</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="2" data-posID="2"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/espanol/dinero/presupuesto-y-ahorro/info-2023/99-excelentes-maneras-de-ahorrar.html' data-formelementid="TILE_CLK-MONEY-MONEY_MAP_ES" aria-label="99 excelentes formas de ahorrar " target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/espanol/dinero/presupuesto-y-ahorro/info-2023/99-excelentes-maneras-de-ahorrar.html' target="_self" class="uxdia-c-featured-tile__image-wrapper 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uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Finanzas personales</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/espanol/dinero/presupuesto-y-ahorro/info-2023/99-excelentes-maneras-de-ahorrar.html'> 99 excelentes formas de ahorrar </a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1660590175920/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_1749540817.coreimg.50.276.jpeg/content/dam/aarp/money/credit_loans_debt/2017/07/1140-are-credit-repair-companies-a-scam-esp.jpg" alt="Tarjeta de crédito con una trampa de ratón encima para ilustrar que no seas víctima de las compañías reparadoras de crédito." title="Tarjeta de crédito con una trampa de ratón encima para ilustrar que no seas víctima de las compañías reparadoras de crédito." width="1140" height="655"/> </picture> <meta itemprop="caption" content="Tarjeta de crédito con una trampa de ratón encima para ilustrar que no seas víctima de las compañías reparadoras de crédito."/> </div> </div> </a> <div 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1749540817.coreimg.50.276.jpeg/content/dam/aarp/work-and-retirement/find-a-job/2022/06/1140-cashier-smiles-at-customer-esp.jpg" alt="Cajera sonríe a un cliente en un supermercado" title="Cajera sonríe a un cliente en un supermercado" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Cajera sonríe a un cliente en un supermercado"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Trabajos flexibles</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/espanol/trabajo/busqueda-de-empleo/info-2022/puestos-a-tiempo-parcial-para-combatir-inflacion.html'> 10 empleos para superar la inflación</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="3" data-posID="3"> <div class="uxdia-c-featured-tile-container-link" 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src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_825176922.coreimg.50.276.jpeg/content/dam/aarp/work/careers/08/1140-ai-and-worker-esp.jpg" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_825176922.coreimg.50.276.jpeg/content/dam/aarp/work/careers/08/1140-ai-and-worker-esp.jpg" alt="Ilustración de un hombre que le da la mano a un robot que está en una pantalla de computador gigante" title="Ilustración de un hombre que le da la mano a un robot que está en una pantalla de computador gigante" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Ilustración de un hombre que le da la mano a un robot que está en una pantalla de computador gigante"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Inteligencia artificial</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/espanol/trabajo/exito-laboral/info-2023/inteligencia-artificial-automatizacion-de-tareas-laborales.html'> Cómo afecta a los empleados mayores</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.jpeg/content/dam/aarp/work/careers/08/1140-ingrid-fournier-esp.jpg" alt="Ingrid Fournier sentada en su escritorio en una biblioteca infantil" title="Ingrid Fournier sentada en su escritorio en una biblioteca infantil" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Ingrid Fournier sentada en su escritorio en una biblioteca infantil"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Éxito laboral</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/espanol/trabajo/exito-laboral/info-2023/no-es-tarde-para-una-nueva-carrera.html'> No es tarde para iniciar una carrera</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="1" data-posID="1"> <div 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_237917982.coreimg.50.276.jpeg/content/dam/aarp/work/on-the-job/2017/02/1140-facts-to-know-about-age-discrimination-esp.jpg" alt="Ilustración de ejecutivos corriendo y una mujer que no puede saltar" title="Ilustración de ejecutivos corriendo y una mujer que no puede saltar" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Ilustración de ejecutivos corriendo y una mujer que no puede saltar"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet 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uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Preguntas y respuestas</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_blank" href='/espanol/jubilacion/seguro-social/preguntas-respuestas/'> Aprende a navegar el Seguro Social</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="3" data-posID="3"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/espanol/jubilacion/seguro-social/info-2022/mejor-momento-recibir-beneficios.html' data-formelementid="TILE_CLK-SOCIAL_SECURITY-WHEN_TO_START_SOCIAL_SECURITY" aria-label="¿Cuándo solicitar el Seguro Social?" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/espanol/jubilacion/seguro-social/info-2022/mejor-momento-recibir-beneficios.html' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="¿Cuándo solicitar el Seguro Social?"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="bdc4bd0a-2881-4623-9e8a-42c41d1b05df" id="image-68a83aed8d" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662730962/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_825176922.coreimg.50.276.jpeg/content/dam/aarp/retirement/social-security/2022/02/1140-social-security-now-or-later-esp.jpg" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662730962/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_825176922.coreimg.50.276.jpeg/content/dam/aarp/retirement/social-security/2022/02/1140-social-security-now-or-later-esp.jpg" alt="Tarjeta del Seguro Social con una balanza que sostiene un reloj en un extremo y al otro una bola de dinero" title="Tarjeta del Seguro Social con una balanza que sostiene un reloj en un extremo y al otro una bola de dinero" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Tarjeta del Seguro Social con una balanza que sostiene un reloj en un extremo y al otro una bola de dinero"/> </div> </div> </a> <div 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662730962/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.jpeg/content/dam/aarp/retirement/planning-for-retirement/2018/11/1140-couple-retirement-plans-esp.jpg" alt="Pareja madura mirando una computadora" title="Pareja madura mirando una computadora" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Pareja madura mirando una computadora"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Lo básico</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/espanol/jubilacion/seguro-social/info-2020/preguntas-mas-frecuentes-sobre-tus-beneficios.html'> 10 cosas sobre el Seguro Social</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="1" data-posID="1"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable 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data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662730962/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_237917982.coreimg.50.276.jpeg/content/dam/aarp/work/social_security/2016/03/1140-hinden-how-social-security-calculates-benefits-esp.jpg" 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uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/espanol/salud/medicare-y-medicaid/info-2020/diferencias-entre-original-y-advantage.html' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Medicare Original vs. Advantage"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="6a190001-7914-486a-9196-cffc9d05f20b" id="image-72357403b1" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662853876/item_1663662730962_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1749540817.coreimg.50.276.jpeg/content/dam/aarp/health/medicare_insurance/2020/06/1140-medicare-vs-advantage-esp.jpg" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662853876/item_1663662730962_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1749540817.coreimg.50.276.jpeg/content/dam/aarp/health/medicare_insurance/2020/06/1140-medicare-vs-advantage-esp.jpg" alt="Ilustración que muestra una carretera que se divide en dos y dos rótulos que dicen original y advantage en referencia a Medicare" title="Ilustración que muestra una carretera que se divide en dos y dos rótulos que dicen original y advantage en referencia a Medicare" width="5470" height="3143"/> </picture> <meta itemprop="caption" content="Ilustración que muestra una carretera que se divide en dos y dos rótulos que dicen original y advantage en referencia a Medicare"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Medicare</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/espanol/salud/medicare-y-medicaid/info-2020/diferencias-entre-original-y-advantage.html'> Medicare Original vs. Advantage</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="3" data-posID="3"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/espanol/salud/medicare-y-medicaid/info-2022/pasos-para-inscribirte.html' data-formelementid="TILE_CLK-MEDICARE-ENROLLEMENT_GUIDE_ES" aria-label="5 pasos que te ayudarán" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/espanol/salud/medicare-y-medicaid/info-2022/pasos-para-inscribirte.html' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="5 pasos que te ayudarán"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="aab0817c-8ea6-4b91-8532-4ec905dc8d26" id="image-c5ec4279ab" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662853876/item_1663662730962_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_825176922.coreimg.50.276.jpeg/content/dam/aarp/health/medicare_insurance/2022/02/1140-medicare-01-overview-esp.jpg" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662853876/item_1663662730962_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_825176922.coreimg.50.276.jpeg/content/dam/aarp/health/medicare_insurance/2022/02/1140-medicare-01-overview-esp.jpg" alt="Dibujo de una computadora que dice Medicare, una mano y una lupa" title="Dibujo de una computadora que dice Medicare, una mano y una lupa" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Dibujo de una computadora que dice Medicare, una mano y una lupa"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet 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<div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/espanol/salud/medicare-y-medicaid/info-2019/trivia-cuanto-sabes-sobre-la-cobertura.html' data-formelementid="TILE_CLK-MEDICARE-9_RX_NEW_LAW_CHANGES" aria-label="¿Qué gastos no cubre Medicare?" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/espanol/salud/medicare-y-medicaid/info-2019/trivia-cuanto-sabes-sobre-la-cobertura.html' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="¿Qué gastos no cubre Medicare?"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="281ce342-144f-4eb1-b231-e767827cf202" id="image-9506223a10" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662853876/item_1663662730962_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.jpeg/content/dam/aarp/health/medicare-and-medicaid/2023/04/1140-doctor-cover-patient-with-umbrella-esp.jpg" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662853876/item_1663662730962_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.jpeg/content/dam/aarp/health/medicare-and-medicaid/2023/04/1140-doctor-cover-patient-with-umbrella-esp.jpg" alt="Ilustración de un médico que cubre una pareja mayor con una sombrilla, al fondo un documento médico" title="Ilustración de un médico que cubre una pareja mayor con una sombrilla, al fondo un documento médico" width="14000" height="8044"/> </picture> <meta itemprop="caption" content="Ilustración de un médico que cubre una pareja mayor con una sombrilla, al fondo un documento médico"/> </div> </div> </a> <div 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662853876/item_1663662730962_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_237917982.coreimg.50.276.jpeg/content/dam/aarp/home-and-family/caregiving/2016/12/1140-medicare-tools-aarp-esp.jpg" alt="Hombre mayor hablando con su médico " title="Hombre mayor hablando con su médico - Medicare: preguntas y respuestas" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Hombre mayor hablando con su médico - Medicare: preguntas y respuestas"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662967005/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1749540817.coreimg.50.276.jpeg/content/dam/aarp/home-and-family/caregiving/2016/11/1140-puerto-rico-long-term-care-esp.jpg" alt="Mujer joven abraza a la mujer mayor con bastón, Caregiving Resouce Center" title="Mujer joven abraza a la mujer mayor con bastón, Caregiving Resouce Center" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Mujer joven abraza a la mujer mayor con bastón, Caregiving Resouce Center"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Puerto Rico</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='https://local.aarp.org/prcaregiving/'> Encuentra recursos y ayuda</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="3" data-posID="3"> <div 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<picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662967005/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_825176922.coreimg.50.276.jpeg/content/dam/aarp/home-and-family/caregiving/2016/2016-10/1140x655-daughter-caring-for-mom-esp.jpg" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662967005/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_825176922.coreimg.50.276.jpeg/content/dam/aarp/home-and-family/caregiving/2016/2016-10/1140x655-daughter-caring-for-mom-esp.jpg" alt="Hija adulta abraza a su madre mayor" title="Hija adulta abraza a su madre mayor de edad" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Hija adulta abraza a su madre mayor de edad"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Recursos para el cuidado</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/espanol/recursos-para-el-cuidado/herramienta-preguntas-respuestas/'> Respondemos a tus preguntas</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="2" data-posID="2"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/espanol/recursos-para-el-cuidado/guias-para-cuidar/' data-formelementid="TILE_CLK-CAREGIVING_GUIDES_ES" aria-label="Apoyo para las familias" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/espanol/recursos-para-el-cuidado/guias-para-cuidar/' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Apoyo para las familias"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="e2008f7c-a131-4587-831c-6550c22c51d9" id="image-d735fb0d59" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662967005/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.jpeg/content/dam/aarp/home-and-family/caregiving/2018/08/1140-promo-careguides-esp.jpg" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662967005/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.jpeg/content/dam/aarp/home-and-family/caregiving/2018/08/1140-promo-careguides-esp.jpg" alt="Mujer mayor hispana camina con la ayuda de un caminador y su fisioterapeuta en un hogar de ancianos. La nieta de la mujer también está presente." title="Mujer mayor hispana camina con la ayuda de un caminador y su fisioterapeuta en un hogar de ancianos. La nieta de la mujer también está presente." width="1140" height="655"/> </picture> <meta itemprop="caption" content="Mujer mayor hispana camina con la ayuda de un caminador y su fisioterapeuta en un hogar de ancianos. La nieta de la mujer también está presente."/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Guías para cuidadores</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/espanol/recursos-para-el-cuidado/guias-para-cuidar/'> Apoyo para las familias</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663662967005/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_237917982.coreimg.50.276.jpeg/content/dam/aarp/caregiving/2021/04/1140-caregiver-states-esp.jpg" alt="Ilustración de un mapa con el icono de una persona ayudando a otra con un bastón" title="Ilustración de un mapa con el icono de una persona ayudando a otra con un bastón" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Ilustración de un mapa con el icono de una persona ayudando a otra con un bastón"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1029081247.coreimg.50.276.jpeg/content/dam/aarp/games/2023/1140-word-puzzle-hard-esp.jpg" alt="Ilustración de un crucigrama que dice nivel difícil" title="Ilustración de un crucigrama que dice nivel difícil" width="482" height="277"/> </picture> <meta itemprop="caption" content="Ilustración de un crucigrama que dice nivel difícil"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_blank" href='https://games.aarp.org/games/crucigramas-dificiles'> Crucigramas difíciles</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn--default--none aem-GridColumn aem-GridColumn--offset--default--0 aem-GridColumn--default--4"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile "> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='https://games.aarp.org/games/crucigramas-faciles' data-formelementid="TILE_CLK-GAMES-CRUCIGRAMAS_FACILES_ES" aria-label="Crucigramas fáciles" target="_blank"> <div 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uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1884377341.coreimg.50.276.jpeg/content/dam/aarp/uxdia/en/navigation-tiles/1140x655-games-atari-1a-.jpg" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1884377341.coreimg.50.276.jpeg/content/dam/aarp/uxdia/en/navigation-tiles/1140x655-games-atari-1a-.jpg" alt="Atari, Centipede, Pong, Breakout, Missile Command Asteroids" title="Play your favorite ATARI game" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Play your favorite ATARI game"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_blank" href='https://games.aarp.org/category/atari-games'> Juego de videos Atari® </a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn--default--none aem-GridColumn--offset--default--8 aem-GridColumn aem-GridColumn--default--1"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="1" data-posID="1"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='https://games.aarp.org/games/poquer-clasico' data-formelementid="TILE_CLK_GAMES-POQUER_CLASICO_ES" aria-label="Póker Clásico" target="_blank"> <div 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data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1891239431.coreimg.50.276.jpeg/content/dam/aarp/games/2023/1140-classic-poker-esp.jpg" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1891239431.coreimg.50.276.jpeg/content/dam/aarp/games/2023/1140-classic-poker-esp.jpg" alt="Ilustración de cartas de póquer y fichas y un texto que 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uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div id="megamenu-ce35332963-item-82598ec3c1-tabpanel" aria-hidden="false" role="tabpanel" aria-labelledby="megamenu-ce35332963-item-82598ec3c1-tab" tabindex="0" class="cmp-tabs__tabpanel Turismo " data-cmp-hook-tabs="tabpanel"><div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-bad336e85e" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="text uxdia-c-megamenu-back--button nuxdia-c-megamenu-back--button@tablet uxdia-c-megamenu-back--button@desktop aem-GridColumn aem-GridColumn--default--12"> <div id="text-76d8ab3ff1" 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A different privacy policy and terms of service will apply.');return false;" href='#' data-cmp-clickable data-cmp-data-layer="{"text-76d8ab3ff1-link-58ade1869a":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Back" }}">Back </a></p> </div> </div> <div class="text uxdia-u-subtitle-1 uxdia-u-subtitle-1@mobile uxdia-c-megamenu--link uxdia-c-megamenu--link@tablet uxdia-c-megamenu--link@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="text-c2738df71c" class="cmp-text"> <p><a href='/espanol/turismo/' title="Turismo" data-analyticsevent="LNK_CLK-TRAVEL-ES" data-formelementid="LNK_CLK-TRAVEL-ES" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. 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A different privacy policy and terms of service will apply.');return false;" data-cmp-clickable data-cmp-data-layer="{"text-2205ff3ed6-link-4a75ae8cc2":{ "xdm:linkURL" : "/content/aarpe/es/home/turismo/nacional.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Nacional" }}">Nacional</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-c788c56c50" class="cmp-text"> <p><a href='/espanol/turismo/internacional/' title="Link to vacation ideas landing page" data-analyticsevent="BTN_CLK-TRAVEL-INTERNATIONAL-ES" data-formelementid="BTN_CLK-TRAVEL-INTERNATIONAL-ES" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. 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alt="Paisajes al atardecer en el Parque Nacional Badlands." title="Paisajes al atardecer en el Parque Nacional Badlands." width="1140" height="655"/> </picture> <meta itemprop="caption" content="Paisajes al atardecer en el Parque Nacional Badlands."/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Ideas para vacacionar </p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/espanol/turismo/nacional/info-2020/principales-parques-naturales-de-estados-unidos.html'> Parques nacionales en EE.UU.</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile "> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/espanol/turismo/consejos-para-viajar/info-2019/real-id-licencia-de-conduccion-para-viajar-en-avion.html' data-formelementid="TILE_CLK_TRAVEL_REAL_ID_ES" aria-label="Qué debes saber sobre el REAL ID " target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a 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data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659967770303_c/container_1827098909/featuredtile_91929003.coreimg.50.276.jpeg/content/dam/aarp/travel/tips/2019/02/1140-real-id-kansas-esp.jpg" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659967770303_c/container_1827098909/featuredtile_91929003.coreimg.50.276.jpeg/content/dam/aarp/travel/tips/2019/02/1140-real-id-kansas-esp.jpg" alt="Ejemplo del Real ID en Kansas" title="Ejemplo del Real ID en Kansas" width="1140" height="655"/> </picture> <meta 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uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Guía de AARP</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/espanol/turismo/nacional/info-2023/guia-viaje-nueva-orleans.html'> Descubre Nueva Orleans</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659967770303_c/container_1827098909/featuredtile_517422145.coreimg.50.276.png/content/dam/aarp/travel/destinations/2023/07/1140-grace-bay-turks-and-caicos-esp.png" alt="Grace Bay en las islas Turcas y Caicos" title="Grace Bay en las islas Turcas y Caicos" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Grace Bay en las islas Turcas y Caicos"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Destinos</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/espanol/turismo/consejos-para-viajar/info-2023/destinos-donde-celebrar-cumpleanos-50.html'> 8 destinos donde celebrar los 50</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> </div> </div> </div> </div> </div> </div> <div id="megamenu-ce35332963-item-93d532fa37-tabpanel" aria-hidden="false" role="tabpanel" aria-labelledby="megamenu-ce35332963-item-93d532fa37-tab" tabindex="0" class="cmp-tabs__tabpanel Más... cmp-tabs__tabpanel--more " data-cmp-hook-tabs="tabpanel"><div 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then nyad then rustin then barbie"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Premios Movies for Grownups</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/espanol/entretenimiento/cine-y-television/info-2024/ganadores-premios-movies-for-grownups.html'> ¡Conoce a los ganadores del 2024!</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile "> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/espanol/entretenimiento/cine-y-television/info-2023/telenovelas-mejores-mas-recordadas.html' data-formelementid="TILE_CLK_ENTERTAINMENT_BREVES_ES" aria-label="Del radioteatro al mundo digital." target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/espanol/entretenimiento/cine-y-television/info-2023/telenovelas-mejores-mas-recordadas.html' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Del radioteatro al mundo digital."> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="59c66f87-7000-4709-af16-9d47fc20410b" id="image-7db89f3a71" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1661109128956/item_1659969291143_c/item_1659967770303_c_182155119/container_1453873669/featuredtile_copy.coreimg.50.276.jpeg/content/dam/aarp/entertainment/television/2023/10/1140-telenovelas-vintage-tvs.jpg" 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1661109128956/item_1659969291143_c/item_1659967770303_c_182155119/container_1453873669/featuredtile_copy_1414942708.coreimg.50.276.jpeg/content/dam/aarp/entertainment/celebrities/2023/08/1140-pedro-pascal-1-esp.jpg" alt="El actor Pedro Pascal posa para la revista Flaunt en el 2016." title="El actor Pedro Pascal posa para la revista Flaunt en el 2016." width="1140" height="655"/> </picture> <meta itemprop="caption" content="El actor Pedro Pascal posa para la revista Flaunt en el 2016."/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1661109195758/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.jpeg/content/dam/aarp/health/healthy-living/2023/07/1140-colorfulrawveggies-esp.jpg" alt="Vista desde arriba de una mesa llena de vegetales variados" title="Vista desde arriba de una mesa llena de vegetales variados" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Vista desde arriba de una mesa llena de vegetales variados"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/espanol/salud/vida-saludable/'> Dieta y nutrición</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile "> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/espanol/cocina/cocina-moderna/info-2020/recetas-tradicionales-latinas.html' data-formelementid="TILE_CLK_COCINA_LATINA_ES" aria-label="La cocina tradicional latina" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/espanol/cocina/cocina-moderna/info-2020/recetas-tradicionales-latinas.html' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="La cocina tradicional latina"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="6932d512-542c-47c3-8677-c38f2c9a2a24" id="image-2f50fb5a64" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1661109195758/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_835502192.coreimg.50.276.jpeg/content/dam/aarp/food/recipes/2020/12/1140-plantain-soup-esp.jpg" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1661109195758/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_835502192.coreimg.50.276.jpeg/content/dam/aarp/food/recipes/2020/12/1140-plantain-soup-esp.jpg" alt="Una persona le quita la cáscara a unos plátanos verdes" title="Una persona le quita la cáscara a unos plátanos verdes" width="5616" height="3227"/> </picture> <meta itemprop="caption" content="Una persona le quita la cáscara a unos plátanos verdes"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1661109195758/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_1749540817.coreimg.50.276.jpeg/content/dam/aarp/food/recipes/2019/06/1140-raspberries-ricotta-low-sugar-esp.jpg" alt="Granita de yogur de frambuesa con ricota" title="Granita de yogur de frambuesa con ricota" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Granita de yogur de frambuesa con ricota"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__title 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aria-label="Guías electorales estatales" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/espanol/politica/gobierno-elecciones/info-2024/como-votar-elecciones-en-tu-estado.html' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Guías electorales estatales"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="34f998e8-93c6-4997-8132-4e7a7cd22532" id="image-0ee2aa5eb0" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1661109195758_c/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_1749540817.coreimg.50.276.jpeg/content/dam/aarp/politics/government-and-elections/2023/09/1140-capitol-rotunda-interior-esp.jpg" alt="interior de la rotonda del capitolio con una estatua" title="Lo que necesitas saber sobre el cierre del Gobierno" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Lo que necesitas saber sobre el cierre del Gobierno"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> 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A different privacy policy and terms of service will apply.');return false;" href='/espanol/hogar-familia/transporte-comunidades/seguridad-para-conducir/' data-analyticsevent="BTN_CLK-AUTO-DRIVER _SAFETY-ES" data-formelementid="BTN_CLK-AUTO-DRIVER _SAFETY-ES" data-cmp-clickable data-cmp-data-layer="{"text-2a1766955c-link-7476859e37":{ "xdm:linkURL" : "/content/aarpe/es/home/hogar-familia/transporte-comunidades/seguridad-para-conducir.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Seguridad para conducir" }}">Seguridad para conducir</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-c-four-pack-tiles__container uxdia-c-four-pack-tiles__container@tablet uxdia-c-four-pack-tiles__container@desktop uxdia-c-feature-tile-card aem-GridColumn aem-GridColumn--default--12"> <div id="container-2b8bef5966" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1663662197651/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.jpeg/content/dam/aarp/auto/2023/05/1140-electric-car-illustration-esp.jpg" alt="Ilustración de un auto eléctrico que se está cargando" title="Ilustración de un auto eléctrico que se está cargando" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Ilustración de un auto eléctrico que se está cargando"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Compra de autos</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/espanol/hogar-familia/transporte-comunidades/info-2023/trivia-autos-electricos.html'> ¿Te conviene un vehículo eléctrico?</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile "> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/espanol/recursos-para-el-cuidado/donde-comenzar/info-2019/convencer-persona-mayor-dejar-de-conducir.html' data-formelementid="TILE_CLK-AUTO-WE_NEED_TO_TALK_ES" aria-label="¿Es hora de que deje de conducir?" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/espanol/recursos-para-el-cuidado/donde-comenzar/info-2019/convencer-persona-mayor-dejar-de-conducir.html' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="¿Es hora de que deje de conducir?"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="6a75f217-7bf0-4707-a8a6-9d9a88befa95" id="image-ddd72a0c84" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1663662197651/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_835502192.coreimg.50.276.jpeg/content/dam/aarp/health/caregiving/2017/07/1140-talk-park-walk-esp.jpg" alt="Mujeres mayores caminando" title="Mujeres mayores caminando" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Mujeres mayores caminando"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Habla con tu ser querido</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/espanol/recursos-para-el-cuidado/donde-comenzar/info-2019/convencer-persona-mayor-dejar-de-conducir.html'> ¿Es hora de que deje de conducir?</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn--default--none aem-GridColumn--offset--default--8 aem-GridColumn aem-GridColumn--default--1"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="1" data-posID="1"> <div 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A different privacy policy and terms of service will apply.');return false;" href='#' data-cmp-clickable data-cmp-data-layer="{"text-7216f566a1-link-11a2e60bbb":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Back" }}">Back </a></p> </div> </div> <div class="text uxdia-u-subtitle-1 uxdia-u-subtitle-1@mobile uxdia-c-megamenu--link uxdia-c-megamenu--link@tablet uxdia-c-megamenu--link@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="text-0b8c667b63" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/es/headers-and-footers/aarp-org/uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. 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data-cmp-contentfragment-element-type="string"> <h1 id="article-title" tabindex="0" aria-label="¿Deberías comenzar a recibir beneficios del Seguro Social ahora o más tarde?">¿Deberías comenzar a recibir beneficios del Seguro Social ahora o más tarde?</h1> </div> <div class="cmp-contentfragment__element cmp-contentfragment__element--articleSubTitle " data-cmp-contentfragment-element-type="string"> <h2 id="article-subtitle" tabindex="0" aria-label="Dos expertos en finanzas presentan opiniones opuestas.">Dos expertos en finanzas presentan opiniones opuestas.</h2> </div> </div> </div> <div class="coreSeperator parbase"> <hr class="aarp-c-seperator--light-border" style="border-color: #D5D5D5; border-top-width: 1px;"/> </div> <div class="articlecontentfragment contentfragment"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" 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uxdia-article-body@tablet uxdia-article-body@mobile aem-GridColumn--tablet--12 aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <div> <p> </p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> </div> </div> </div> </div> <p>Muchos expertos financieros —incluidos algunos de AARP— creen que si puedes permitírtelo, debes esperar hasta los 70 años para comenzar <a href='/espanol/jubilacion/seguro-social/info-2020/preguntas-mas-frecuentes-sobre-tus-beneficios.html' title="10 cosas que debes saber sobre los beneficios del Seguro Social" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/aarpe/es/home/jubilacion/seguro-social/info-2022/mejor-momento-recibir-beneficios.html,'','Estás saliendo del sitio web AARP.org y te diriges a un sitio web que no está operado por AARP. Se regirá por una política de privacidad y términos de servicio diferentes.');return false;">a recibir beneficios del Seguro Social</a>. El argumento es simple: cada año que esperas pasada la edad plena de jubilación, tu cheque mensual será un 8% más grande, una tasa de retorno anual de la inversión que es difícil de igualar. Dado que las personas están viviendo más tiempo, según el argumento, es probable que el retraso optimice tus beneficios a lo largo de tu vida.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="uxdiaCacheableXF experiencefragment aem-GridColumn aem-GridColumn--default--12"><div data-cmp-paywall-pageTitle="¿Deberías comenzar a recibir beneficios del Seguro Social ahora o más tarde?" id="uxdiaCacheableXF-5fe7bd96f0" class="cmp-experiencefragment cmp-experiencefragment--default"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="uxdiaResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="target parbase aem-GridColumn aem-GridColumn--default--12"> <script type="text/javascript"> window.performance.mark('target_contexthub_setup [target-uxdiacacheablexf2]'); AARP.Externals.ContextHub.onLoad(function() { ContextHubJQ(function() { 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height="114" loading="eager"/> </picture> <meta itemprop="caption" content="member card"/> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn--default--none aem-GridColumn--default--9 aem-GridColumn aem-GridColumn--offset--default--0"> <div id="container-9f1d7a0ab9" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--9 aem-Grid--default--9 "> <div class="text aem-GridColumn--default--9 aem-GridColumn"> <div id="text-019c418b3f" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/es/features/membership/inline-membership-promo/default/master5.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://join.aarp.org/orgartjes?intcmp=INLMEM-MEMBERSHIP-DEFAULT-JOIN-BAU-ES' data-cmp-clickable data-cmp-data-layer="{"text-019c418b3f-link-d908fecad8":{ "xdm:linkURL" : "https://join.aarp.org/orgartjes?intcmp=INLMEM-MEMBERSHIP-DEFAULT-JOIN-BAU-ES", "@type" : "uxdia/components/content/text/link", "dc:title" : "¡ÚLTIMA OPORTUNIDAD! - Únete a AARP a precios del 2024; las tarifas aumentan en el 2025." }}"><b>¡ÚLTIMA OPORTUNIDAD! - Únete a AARP a precios del 2024; las tarifas aumentan en el 2025.</b></a></p> <p>Obtén acceso inmediato a productos exclusivos para socios y cientos de descuentos, una segunda membresía gratis y una suscripción a <i>AARP The Magazine</i>.<br> <a data-analyticsevent="INLMEM-MEMBERSHIP-LNK-CLK-DEFAULT-DEFAULT-ES" data-formelementid="INLMEM-MEMBERSHIP-LNK-CLK-DEFAULT-DEFAULT-ES" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/es/features/membership/inline-membership-promo/default/master5.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://join.aarp.org/orgartjes?intcmp=INLMEM-MEMBERSHIP-DEFAULT-JOIN-BAU-ES' data-cmp-clickable data-cmp-data-layer="{"text-019c418b3f-link-d0610a617b":{ "xdm:linkURL" : "https://join.aarp.org/orgartjes?intcmp=INLMEM-MEMBERSHIP-DEFAULT-JOIN-BAU-ES", "@type" : "uxdia/components/content/text/link", "dc:title" : "Únete a AARP" }}">Únete a AARP</a></p> </div> </div> </div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> </div> </div> </div> </div> <p>Pero otros especialistas en jubilación —incluidos algunos de AARP— señalan que, en algunos casos, es más sensato solicitar los beneficios antes. En realidad, la cuestión no siempre es clara. Para explorar la pregunta más a fondo, AARP les pidió a dos asesores financieros externos que discutan el caso.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> </div> </div> </div> </div> <p><b>El experto</b>: Kurt Czarnowski, es asesor de planificación jubilatoria y exdirector regional de comunicaciones de la Administración del Seguro Social.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> </div> </div> </div> </div> <p>Si necesitas los cheques del Seguro Social para pagar el alquiler, comprar alimentos o cubrir gastos de salud, entonces la decisión es obvia: comienza a recibir beneficios cuando los necesites.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> </div> </div> </div> </div> <p>¿Y en el caso de tener cierto margen financiero? En la vida no hay garantías, y cuanto más temprano comiences a retirar un beneficio mensual, más temprano podrás usarlo para lo que quieras, dice Czarnowski. Y es posible que disfrutes más el dinero cuando eres más joven.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> </div> </div> </div> </div> </div> </div> </div> <article class="container responsivegrid uxdia-o-article-rail uxdia-o-article-rail@laptop uxdia-c-restricted-access aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div id="container-f5fd445446" class="cmp-container"> <div class="container responsivegrid uxdia-c-comments-button__container 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aem-Grid--phone--12 "> <div class="advertisement parbase aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--phone--hide aem-GridColumn--default--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4 aem-GridColumn--tablet--hide"> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad es clearfix" id="300x0_40989" data-adsize="300x0"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x0_40989', size:'300x0'}); } </script> </div> </div> </div> <div class="uxdiaCacheableXF experiencefragment uxdia-show-block@desktop aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--tablet--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"><div 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RENEW AT 2024 AARP RATES!"/> </div> </div> <div class="container responsivegrid aem-GridColumn--offset--tablet--0 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--12"> <div id="container-399ec63f22" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--7 aem-Grid--default--12 "> <div class="text uxdia-u-subtitle-1 uxdia-u-subtitle-1@mobile uxdia-u-color--primary-color-ink-black aem-GridColumn--default--none aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div id="text-98fa592e20" class="cmp-text"> <p>¡ÚLTIMA OPORTUNIDAD! - Únete a AARP a precios del 2024; las tarifas aumentan en el 2025.</p> </div> </div> <div class="text uxdia-u-body-regular uxdia-u-color--secondary-color-pebble aem-GridColumn--default--none aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div id="text-8d196a2636" class="cmp-text"> <p>Obtén acceso instantáneo a productos y a cientos de descuentos exclusivos para socios, una segunda membresía gratis y una suscripción a la revista AARP The Magazine.</p> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-c-widget-button__container uxdia-c-widget-button__container@tablet uxdia-c-widget-button__container@mobile aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--12 aem-GridColumn--offset--tablet--3"> <div id="container-5b1e24f8ba" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--7 aem-Grid--default--12 "> <div class="button uxdia-c-button uxdia-c-button--primary aem-GridColumn--default--none aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <a data-formelementid="NAW-MEMBERSHIP-BTN-CLK-DEFAULT-BAU-ES" id="NAWIDGET-BTN-CLK-MEM-JOIN-DEFAULT-CTA-1732393827437" class="cmp-button" aria-label="Botón para unirse a AARP" href='https://join.aarp.org/orgartjes'> <span class="cmp-button__text">Únete a AARP</span> </a> </div> </div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="container responsivegrid uxdia-c-full-width-ads uxdia-c-full-width-ads@tablet uxdia-c-full-width-ads@mobile uxdia-o-full-width-ads uxdia-o-full-width-ads-in-view uxdia-c-restricted-access aem-GridColumn aem-GridColumn--default--12"> <div id="container-69a6abc66b" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="advertisement parbase aem-GridColumn aem-GridColumn--default--12"> <div aria-hidden="true" class="aarpe-ad-wrapper"> <p class="aarpe-ad-messaging aarpe-ad-messaging@desktop aarpe-ad-messaging@mobile"><span class="aarpe-ad-message">ARTICLE CONTINUES AFTER ADVERTISEMENT</span></p> <div class="aarpe-ad es clearfix" id="970x250_63863" data-adsize="970x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'970x250_63863', size:'970x250'}); } </script> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-u-bg-marquee-no-image--container uxdia-u-bg-marquee-no-image--container@mobile uxdia-o-grid-container uxdia-article-body__adjust-mobile-layout@mobile uxdia-o-grid-container@tablet uxdia-o-grid-container@laptop uxdia-o-grid-container@large-laptop uxdia-o-grid-container@larger-laptop uxdia-action-widget-position__container uxdia-action-widget-position__container@laptop uxdia-action-widget-position__container@mobile aem-GridColumn aem-GridColumn--default--12"> <div id="container-4b0c4a3920" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--12 aem-Grid--default--12 aem-Grid--phone--12 "> <article class="container responsivegrid uxdia-o-article-rail uxdia-o-article-rail@laptop uxdia-c-restricted-access aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="container-a8673fbba7" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--8 aem-Grid--tablet--12 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn--tablet--12 aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0"> </div> <div class="articlecontentfragment contentfragment uxdia-article-body uxdia-article-body@tablet uxdia-article-body@mobile aem-GridColumn--tablet--12 aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <div> <p>Además, tratar de <a href='/espanol/salud/enfermedades-y-tratamientos/info-2020/lugar-donde-vives-y-expectativa-de-vida.html' title="el lugar donde vives puede afectar la longevidad" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/aarpe/es/home/jubilacion/seguro-social/info-2022/mejor-momento-recibir-beneficios.html,'','Estás saliendo del sitio web AARP.org y te diriges a un sitio web que no está operado por AARP. Se regirá por una política de privacidad y términos de servicio diferentes.');return false;">predecir tu esperanza de vida</a> no siempre es una buena estrategia. “En tu familia puede haber una longevidad excepcional, y sin embargo tú podrías sufrir un accidente mañana”, dice Czarnowski. Incluso tiene más sentido recibir beneficios a la edad plena de jubilación o antes si tienes problemas de salud que podrían reducir tu expectativa de vida.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> </div> </div> </div> </div> <p>En cuanto a los números, una ventaja de comenzar a recibir beneficios a los 66 o 67 años es que tu dinero se acumula durante un período más largo. Recién al cumplir 82 años y 6 meses llegarías al punto en que los beneficios totales que recibes del Seguro Social habrían sido más altos si hubieras esperado a los 70 para solicitarlos.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> </div> </div> </div> </div> <p>Y si estás casado, puedes coordinar los beneficios con tu cónyuge de modo de obtener algunas de las ventajas de postergar el reclamo. Si tú eres el cónyuge que gana menos, por ejemplo, puedes tomar tus beneficios a la edad plena de jubilación, recibir cheques mensuales y, más adelante, reclamar los beneficios más altos de tu cónyuge —que los solicitó más tarde— si tú lo sobrevives. Y si tienes hijos menores de 18 años, cada uno de ellos puede cobrar la mitad de tus beneficios cada año una vez que los solicites. (No obstante, la familia en su totalidad no puede cobrar más del 180% del beneficio jubilatorio del padre o de la madre a la edad plena de jubilación).</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> </div> </div> <div class="uxdiaCacheableXF experiencefragment aem-GridColumn aem-GridColumn--default--12"><div data-cmp-paywall-pageTitle="¿Deberías comenzar a recibir beneficios del Seguro Social ahora o más tarde?" id="uxdiaCacheableXF-6d1ef40e16" class="cmp-experiencefragment cmp-experiencefragment--dinero"> <div 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class="sharp-c-member-benefits-offer__offer-details"> <div data-categorylink="https://www.aarp.org/espanol/membresia/beneficios/entretenimiento/" class="sharp-c-member-benefits-offer__offer-card-category-title sharp-c-member-benefits-offer__offer-card-category-title@tablet sharp-c-member-benefits-offer__offer-card-category-title@mobile" tabindex="0"> Entretenimiento </div> <a class="uxdia-member-benefits-offer__offer-card-link" href='https://www.aarp.org/espanol/membresia/beneficios/entretenimiento/games/' data-url="/content/aarpe/es/home/membresia/beneficios/entretenimiento/games/_jcr_content/.dataview.json" data-formelementid="MEM-BEN-OFFER-BTN-CLK-entertainment-games" target="_blank" data-categoryid="Entretenimiento" data-offerid="games" data-offertype="Social Mission" data-brand="Juegos de AARP" data-offertiming="anytime" data-dbrofferid="d0f18be3b0f8eeef95aa4cf3e309d91c"> <p class="sharp-c-member-benefits-offer__offer-card-source-name sharp-c-member-benefits-offer__offer-card-source-name@tablet sharp-c-member-benefits-offer__offer-card-source-name@mobile" tabindex="0"> Juegos de AARP </p> </a> <div class="aarp-c-member-benefits__do_not_transform"> <p class="sharp-c-member-benefits-offer__offer-card-offer-title sharp-c-member-benefits-offer__offer-card-offer-title@tablet sharp-c-member-benefits-offer__offer-card-offer-title@mobile" tabindex="0"> Juegos y rompecabezas gratis en línea, incluidos los clásicos de Atari </p> </div> <div class="uxdia-member-benefits-offer__offer-card-link__wrapper uxdia-member-benefits-offer__offer-card-link__wrapper@tablet"> <div class="aarp-c-member-benefits-offer-details__cta-button aarp-c-member-benefits-offer-details__cta-button@tablet aarp-c-member-benefits-offer-details__cta-button@mobile sharp-c-member-benefits-offer__offer-card-button"> <div class="aarp-c-button aarp-c-button--primary"> <a class="uxdia-member-benefits-offer__learn-more" href='https://www.aarp.org/espanol/membresia/beneficios/entretenimiento/games/' target="_blank" data-url="/content/aarpe/es/home/membresia/beneficios/entretenimiento/games/_jcr_content/.dataview.json" data-formelementid="MEM-BEN-OFFER-BTN-CLK-entertainment-games" aria-label="Ver detalles" data-categoryid="Entretenimiento" data-offerid="games" data-offertype="Social Mission" data-brand="Juegos de AARP" data-offertiming="anytime" data-dbrofferid="d0f18be3b0f8eeef95aa4cf3e309d91c"> Ver detalles </a> </div> </div> <div class="uxdia-inline-member-benefits-offer-see-all"> <a data-formelementid="MEM-BEN-CLK-WIDGET-INLINE-MONEY-SEE_ALL" href='/espanol/membresia/beneficios/ofertas-a-z/' class="uxdia-inline-member-benefits-offer-see-all-text" target="_blank" aria-label="Ver todo"> Ver todo </a> </div> </div> </div> <div class="sharp-c-member-benefits-offer__offer-card-see-more sharp-c-member-benefits-offer__offer-card-see-more@tablet sharp-c-member-benefits-offer__offer-card-see-more@mobile" data-seemorelink="https://www.aarp.org/espanol/membresia/beneficios/entretenimiento/"> See more Entretenimiento offers > </div> </div> <textarea class="progressive-comp-data" style="display:none;">{"hideCategory":false,"useAlternateLanguage":false,"headlineIconAltText":"","listItems":[{"categoryTitle":"Entretenimiento","categoryUrl":"/espanol/membresia/beneficios/entretenimiento/","categoryDeeplinkParam":"entertainment","isLimitedTimeOffer":false,"offerJson":{"dbr_offer_id":"d0f18be3b0f8eeef95aa4cf3e309d91c","source_name":"Juegos de AARP","offer_title":"Juegos y rompecabezas gratis en línea","offer_description":"\u003cp\u003eYa sea que te guste hacer el crucigrama diario, divertirte con tus juegos Atari favoritos o poner a prueba tus habilidades con el solitario, tienes acceso a muchos juegos gratuitos en línea (incluye juegos creados exclusivamente para los socios) y puedes jugar en cualquier momento y lugar.\u003c/p\u003e","offer_short_description":"Juegos y rompecabezas gratis en 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Regresa para que conozcas sobre los beneficios para socios de AARP y disfrutes todo lo que la membresía ofrece.","howto_redeem_label":"Cómo acceder","ty_interstitialDesc":"Regresa para que conozcas sobre los beneficios para socios de AARP y disfrutes todo lo que la membresía ofrece.","ty_cancelText":"cancelar","ty_interstitialTitle":"Gracias por visitar aarp.org.","lto_daysleft":"Días restantes","provider_logo_title":"AARP Member Benefits","geoloc_hide_see_more_button":"false","geoloc_provider_link_cta":"","offer_page_path":"/espanol/benefits-discounts/all/games/","redemption_content":"","show_phone_number_above_cta":"","restrictions_label":"Divulgaciones","show_state_availability":"","state_availability_text":"CONSULTA LA DISPONIBILIDAD EN TU ESTADO","hideRestrictionsTab":"true","ltos":[]},"parentOfferJson":{}}]}</textarea> </div></div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> <p>Por último, si decides recibir tus beneficios a <a href='/espanol/jubilacion/seguro-social/preguntas-respuestas/primer-cheque-a-edad-plena-de-retiro/' title="cuál es la edad plena de jubilación para el Seguro Social" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/aarpe/es/home/jubilacion/seguro-social/info-2022/mejor-momento-recibir-beneficios.html,'','Estás saliendo del sitio web AARP.org y te diriges a un sitio web que no está operado por AARP. Se regirá por una política de privacidad y términos de servicio diferentes.');return false;">la edad plena de jubilación</a>, esa decisión no es irrevocable. “Si cambias de idea en los primeros 12 meses desde que comienzas tus beneficios, puedes devolver los beneficios que ya has recibido y comenzar de cero”, dice Czarnowski. Incluso después de ese límite de 12 meses, simplemente puedes suspender tus pagos de forma voluntaria y comenzar a hacer crecer tus beneficios a una tasa de dos tercios del 1% al mes, que equivale al 8% anual. </p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> </div> </div> </div> </div> <p><b>La experta</b>: Elaine Floyd, es directora de planificación vital y jubilatoria de Horsesmouth, una compañía de Nueva York que capacita a asesores financieros sobre estrategias para el Seguro Social y otros temas.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> </div> </div> </div> </div> <p>Ese 8% de aumento anual en los beneficios no es insignificante; tres o cuatro años de créditos anuales del 8% pueden significar muchos más cientos de dólares en beneficios cada mes. Eso puede hacer que tengas menos preocupaciones en tu edad avanzada. “Es un seguro de longevidad en caso de que vivas mucho tiempo”, dice Floyd.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> </div> </div> </div> </div> </div> </div> </div> </div> </div> </article> <section class="container responsivegrid uxdia-o-right-rail uxdia-o-right-rail@laptop aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--phone--hide aem-GridColumn--default--none aem-GridColumn--phone--12 aem-GridColumn 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aem-GridColumn--offset--default--0 aem-GridColumn--default--4"><div data-cmp-paywall-pageTitle="¿Deberías comenzar a recibir beneficios del Seguro Social ahora o más tarde?" id="NEXT-ACTION_2-Desktop" class="cmp-experiencefragment cmp-experiencefragment--default"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="uxdiaResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="target parbase aem-GridColumn aem-GridColumn--default--12"> <script type="text/javascript"> window.performance.mark('target_contexthub_setup [target-uxdiacacheablexf5]'); AARP.Externals.ContextHub.onLoad(function() { ContextHubJQ(function() { window.performance.mark('target_contexthub_start [target-uxdiacacheablexf5]'); ContextHub.SegmentEngine.PageInteraction.Teaser({ locationId: 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srcset="https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/es/next-action-widgets/membership/default/master2/_jcr_content/root/responsivegrid/container_copy/articleimage.coreimg.75.960.png/content/dam/aarp/QA_bucket/widgetimages/membership-card-w-shadow-192x134.png"/> <source media=" (max-width: 1023px)" srcset="https://cdn.aarp.net/content/experience-fragments/uxdia-folder-structure/es/next-action-widgets/membership/default/master2/_jcr_content/root/responsivegrid/container_copy/articleimage.coreimg.75.1023.png/content/dam/aarp/QA_bucket/widgetimages/membership-card-w-shadow-192x134.png"/> <img class="cmp-image__image cmp-image__image@tablet" src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/es/next-action-widgets/membership/default/master2/_jcr_content/root/responsivegrid/container_copy/articleimage.coreimg.75.1140.png/content/dam/aarp/QA_bucket/widgetimages/membership-card-w-shadow-192x134.png" alt="Red AARP membership card displayed at an angle" title="LAST CHANCE! RENEW AT 2024 AARP RATES!" width="456" height="320" loading="eager"/> </picture> <meta itemprop="caption" content="LAST CHANCE! RENEW AT 2024 AARP RATES!"/> </div> </div> <div class="container responsivegrid aem-GridColumn--offset--tablet--0 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--12"> <div id="container-399ec63f22" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--7 aem-Grid--default--12 "> <div class="text uxdia-u-subtitle-1 uxdia-u-subtitle-1@mobile uxdia-u-color--primary-color-ink-black aem-GridColumn--default--none aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div id="text-98fa592e20" class="cmp-text"> <p>¡ÚLTIMA OPORTUNIDAD! - Únete a AARP a precios del 2024; las tarifas aumentan en el 2025.</p> </div> </div> <div class="text uxdia-u-body-regular uxdia-u-color--secondary-color-pebble aem-GridColumn--default--none aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div id="text-8d196a2636" class="cmp-text"> <p>Obtén acceso instantáneo a productos y a cientos de descuentos exclusivos para socios, una segunda membresía gratis y una suscripción a la revista AARP The Magazine.</p> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-c-widget-button__container uxdia-c-widget-button__container@tablet uxdia-c-widget-button__container@mobile aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--12 aem-GridColumn--offset--tablet--3"> <div id="container-5b1e24f8ba" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--7 aem-Grid--default--12 "> <div class="button uxdia-c-button uxdia-c-button--primary aem-GridColumn--default--none aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <a data-formelementid="NAW-MEMBERSHIP-BTN-CLK-DEFAULT-BAU-ES" id="NAWIDGET-BTN-CLK-MEM-JOIN-DEFAULT-CTA-1732393827437" class="cmp-button" aria-label="Botón para unirse a AARP" href='https://join.aarp.org/orgartjes'> <span class="cmp-button__text">Únete a AARP</span> </a> </div> </div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="container responsivegrid uxdia-c-full-width-ads uxdia-c-full-width-ads@tablet uxdia-c-full-width-ads@mobile uxdia-o-full-width-ads uxdia-o-full-width-ads-in-view uxdia-c-restricted-access aem-GridColumn aem-GridColumn--default--12"> <div id="container-72c5178b68" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="advertisement parbase aem-GridColumn aem-GridColumn--default--12"> <div aria-hidden="true" class="aarpe-ad-wrapper"> <p class="aarpe-ad-messaging aarpe-ad-messaging@desktop aarpe-ad-messaging@mobile"><span class="aarpe-ad-message">ARTICLE CONTINUES AFTER ADVERTISEMENT</span></p> <div class="aarpe-ad es clearfix" id="970x250_24584" data-adsize="970x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'970x250_24584', size:'970x250'}); } </script> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-u-bg-marquee-no-image--container uxdia-u-bg-marquee-no-image--container@mobile uxdia-o-grid-container uxdia-article-body__adjust-mobile-layout@mobile uxdia-o-grid-container@tablet uxdia-o-grid-container@laptop uxdia-o-grid-container@large-laptop uxdia-o-grid-container@larger-laptop uxdia-action-widget-position__container uxdia-action-widget-position__container@laptop uxdia-action-widget-position__container@mobile aem-GridColumn aem-GridColumn--default--12"> <div id="container-48a94ec61a" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--12 aem-Grid--default--12 aem-Grid--phone--12 "> <article class="container responsivegrid uxdia-o-article-rail uxdia-o-article-rail@laptop uxdia-c-restricted-access aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="container-d37d2750e6" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--8 aem-Grid--tablet--12 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn--tablet--12 aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0"> </div> <div class="articlecontentfragment contentfragment uxdia-article-body uxdia-article-body@tablet uxdia-article-body@mobile aem-GridColumn--tablet--12 aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <div> <p>El otro experto señala las ventajas de una estrategia de las parejas casadas sobre cuándo reclamar beneficios, pero es especialmente sensato que el cónyuge que gana más dinero <a href='/espanol/jubilacion/seguro-social/preguntas-respuestas/beneficios-maximos-por-edad/' title="cuál es el beneficio máximo del Seguro Social" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/aarpe/es/home/jubilacion/seguro-social/info-2022/mejor-momento-recibir-beneficios.html,'','Estás saliendo del sitio web AARP.org y te diriges a un sitio web que no está operado por AARP. Se regirá por una política de privacidad y términos de servicio diferentes.');return false;">espere a los 70 años</a>. Por ejemplo, supongamos que un hombre cobra $2,600 por mes (o $31,200 al año) en beneficios del Seguro Social a la edad plena de jubilación, y su esposa recibe $1,800 por mes (o $21,600 al año), también a la edad plena de jubilación. Cuando él muere, su viuda puede reclamar un beneficio anual de sobreviviente de $31,200. Pero si él hubiera esperado a cumplir 70 años para reclamar sus beneficios, los beneficios anuales de sobreviviente serían de $41,184, aproximadamente $10,000 más por año.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>En cuanto a la posibilidad de morir joven y perder tus beneficios, “en la planificación financiera generalmente es mejor apostar a vivir más tiempo en vez de apostar a morir antes”, dice Floyd.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Los datos la respaldan. A los 70 años, se anticipa que aproximadamente el 25% de los hombres vivirán hasta los 90 años o más. Para las mujeres, la proyección es que más del 35% llegarán a los 90. “Si bien las personas pueden querer inicialmente su dinero tan pronto como sea posible, a menudo cambian de idea una vez que analizan los números”, dice Floyd.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Finalmente, si decides esperar, pero tienes una emergencia o solo cambias de idea, siempre puedes cambiar los planes y presentar la solicitud para comenzar a recibir beneficios. Cualquier tiempo que esperes después de tu edad plena de jubilación afectará los números, incluso si reclamas tus beneficios antes de cumplir 70 años. “Los beneficios aumentan dos tercios del 1% por cada mes que demoras los pagos del Seguro Social”, dice Floyd.<br /> </p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> <article class="container responsivegrid uxdia-o-article-rail uxdia-o-article-rail@laptop uxdia-c-restricted-access aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div id="container-be40d4149b" class="cmp-container"> <div class="container responsivegrid uxdia-c-comments-button__container uxdia-c-comments-button__container@mobile uxdia-c-comments-button__container@tablet uxdia-c-comments-button__container@laptop"> <div id="container-056565e735" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div 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aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--mejor-momento-recibir-beneficios" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/es/artículo/jubilacion/seguro-social/info-2022/Callout-V2-Article-CF/mejor-momento-recibir-beneficios"> <div class="cmp-contentfragment__element cmp-contentfragment__element--bylineAuthors " data-cmp-contentfragment-element-type="content-fragment"> <div class="uxdia-c-author-bio-component uxdia-c-author-bio-component@tablet uxdia-c-author-bio-component@mobile"> <div class="uxdia-c-author-bio-component__container uxdia-c-author-bio-component__container@tablet uxdia-c-author-bio-component__container@mobile"> <div class="uxdia-c-author-bio-component__inner-container uxdia-c-author-bio-component__inner-container@mobile"> <div class="uxdia-c-author-bio-content__wrapper uxdia-c-author-bio-content__wrapper@mobile"> <div 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shimmer_button"></div> <div class="shimmer shimmer_small_para shimmer_link"></div> </div> <p tabindex="0" class="uxdia-c-featured-article__paywall-wrapper__title"> Unlock Access to AARP Members Edition <br/> </p> <p tabindex="0" class="uxdia-c-featured-article__paywall-wrapper__disc"> </p> <a href='https://appsec.aarp.org/mem/join?campaignID=UBJFMOA23&intcmp=MEM-ONLY-ACCESS' role="button" aria-label="Join AARP to Continue" class="uxdia-c-featured-article__paywall-btn aarp-c-common-button aarp-c-link"> <span class="uxdia-c-featured-article__paywall__moa-badge-icon"></span>Join AARP to Continue </a> <div class="uxdia-c-featured-article__link-wrapper"> <p class="uxdia-c-member-text">Already a Member? <a href='https://secure.aarp.org/applications/user/login?promo=MOA&intcmp=MEM-ONLY-ACCESS' class="login-signup-link">Login</a></p> </div> </div></div> </div></div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid 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displayed at an angle" title="LAST CHANCE! RENEW AT 2024 AARP RATES!" width="456" height="320" loading="eager"/> </picture> <meta itemprop="caption" content="LAST CHANCE! RENEW AT 2024 AARP RATES!"/> </div> </div> <div class="container responsivegrid aem-GridColumn--offset--tablet--0 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--12"> <div id="container-399ec63f22" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--7 aem-Grid--default--12 "> <div class="text uxdia-u-subtitle-1 uxdia-u-subtitle-1@mobile uxdia-u-color--primary-color-ink-black aem-GridColumn--default--none aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div id="text-98fa592e20" class="cmp-text"> <p>¡ÚLTIMA OPORTUNIDAD! - Únete a AARP a precios del 2024; las tarifas aumentan en el 2025.</p> </div> </div> <div class="text uxdia-u-body-regular uxdia-u-color--secondary-color-pebble aem-GridColumn--default--none aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div id="text-8d196a2636" class="cmp-text"> <p>Obtén acceso instantáneo a productos y a cientos de descuentos exclusivos para socios, una segunda membresía gratis y una suscripción a la revista AARP The Magazine.</p> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-c-widget-button__container uxdia-c-widget-button__container@tablet uxdia-c-widget-button__container@mobile aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--12 aem-GridColumn--offset--tablet--3"> <div id="container-5b1e24f8ba" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--7 aem-Grid--default--12 "> <div class="button uxdia-c-button uxdia-c-button--primary aem-GridColumn--default--none aem-GridColumn aem-GridColumn--tablet--7 aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <a data-formelementid="NAW-MEMBERSHIP-BTN-CLK-DEFAULT-BAU-ES" id="NAWIDGET-BTN-CLK-MEM-JOIN-DEFAULT-CTA-1732393827437" class="cmp-button" aria-label="Botón para unirse a AARP" href='https://join.aarp.org/orgartjes'> <span class="cmp-button__text">Únete a AARP</span> </a> </div> </div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div> </div> </article> </div> </div> </article> <div class="container responsivegrid uxdia-o-right-rail uxdia-o-right-rail@laptop aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div id="container-58ed5f5bdf" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--12 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="advertisement parbase aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--phone--hide 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<p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/espanol/jubilacion/seguro-social/preguntas-respuestas/cuando-puedo-recibir-beneficios/'> ¿Cuándo puedo empezar a recibir el Seguro Social? </a> </p>   <a href='/espanol/jubilacion/seguro-social/preguntas-respuestas/cuando-puedo-recibir-beneficios/' target="_self" class="uxdia-c-featured-tile__description uxdia-c-featured-tile__description@tablet uxdia-c-featured-tile__description@mobile"><p>Puedes recibir los beneficios del Seguro Social al alcanzar la edad plena de jubilación o un poco antes.</p> </a> <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> 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valor: recibe actualizaciones y sé el primero en conocer los nuevos beneficios </p> </div> <div class="aarp-c-member-benefits-offer-details__cta-button aarp-c-member-benefits-offer-details__cta-button@tablet aarp-c-member-benefits-offer-details__cta-button@mobile sharp-c-member-benefits-offer__offer-card-button"> <div class="aarp-c-button aarp-c-button--primary"> Learn More </div> </div> </div> </a> <div class="sharp-c-member-benefits-offer__offer-card-see-more sharp-c-member-benefits-offer__offer-card-see-more@tablet sharp-c-member-benefits-offer__offer-card-see-more@mobile" data-seemorelink="https://www.aarp.org/espanol/membresia/beneficios/revistas/"> See more Revistas y recursos offers > </div> </div> <textarea class="progressive-comp-data" style="display:none;">{"hideCategory":false,"useAlternateLanguage":false,"headlineIconAltText":"","listItems":[{"categoryTitle":"Revistas y 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class="sharp-c-member-benefits-offer__offer-card-container sharp-c-member-benefits-offer__offer-card-container@tablet sharp-c-member-benefits-offer__offer-card-container@laptop"> <a class="sharp-c-member-benefits-offer__offer-card sharp-c-member-benefits-offer__offer-card@tablet sharp-c-member-benefits-offer__offer-card@laptop aarp-c-member-benefits__do_not_transform" data-formelementid="MEM-BEN-OFFER-BTN-CLK-finances-trust-will" href='https://www.aarp.org/espanol/membresia/beneficios/finanzas/trust-will-estate-plan/' target="_blank" data-categoryid="Finanzas" data-asicategory="ASI Financial Services & Insurance" data-offerid="trust-will" data-subcategoryid="Planificación financiera" data-offertype="discount" data-lineofbusiness="ASI financial" data-brand="Trust & Will | Planificación patrimonial de Trust & Will" data-offertiming="anytime" data-dbrofferid="7a2420209f1ecea5488896f0ec4abfe5"> <div class="uxdia-c-adaptable__image"> <div id="image-49abb202dc" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="eager"> <source media="(max-width: 320px)" srcset="https://aarp.widen.net/content/59trxgjrfm/jpeg/1140x641-tust-will-estate-planning-man-woman-bags-hall-stairs-july-2021-esp.jpeg?position=c&color=ffffffff&quality=99&u=qgu0ow&w=320"/> <source media=" (max-width: 480px)" srcset="https://aarp.widen.net/content/59trxgjrfm/jpeg/1140x641-tust-will-estate-planning-man-woman-bags-hall-stairs-july-2021-esp.jpeg?position=c&color=ffffffff&quality=99&u=qgu0ow&w=480"/> <source media=" (max-width: 767px)" srcset="https://aarp.widen.net/content/59trxgjrfm/jpeg/1140x641-tust-will-estate-planning-man-woman-bags-hall-stairs-july-2021-esp.jpeg?position=c&color=ffffffff&quality=99&u=qgu0ow&w=767"/> <source media=" (max-width: 960px)" srcset="https://aarp.widen.net/content/59trxgjrfm/jpeg/1140x641-tust-will-estate-planning-man-woman-bags-hall-stairs-july-2021-esp.jpeg?position=c&color=ffffffff&quality=99&u=qgu0ow&w=960"/> <source media=" (max-width: 1023px)" srcset="https://aarp.widen.net/content/59trxgjrfm/jpeg/1140x641-tust-will-estate-planning-man-woman-bags-hall-stairs-july-2021-esp.jpeg?position=c&color=ffffffff&quality=99&u=qgu0ow&w=1023"/> <img class="cmp-image__image cmp-image__image@tablet" src='https://aarp.widen.net/content/59trxgjrfm/jpeg/1140x641-tust-will-estate-planning-man-woman-bags-hall-stairs-july-2021-esp.jpeg?position=c&color=ffffffff&quality=99&u=qgu0ow' alt="Una pareja sale de su casa para irse de vacaciones." title="Trust & Will Estate Planning" width="1140" loading="eager"/> </picture> <meta itemprop="caption" content="Trust & Will Estate Planning"/> </div> </div> <div class="sharp-c-member-benefits-offer__offer-details"> <div class="uxdia-info_mb-card"> <span class="uxdia-info_lock-icon"></span> <span class="uxdia-info_mb-text">SOLAMENTE PARA SOCIOS</span> </div> <div data-categorylink="https://www.aarp.org/espanol/membresia/beneficios/finanzas/" class="sharp-c-member-benefits-offer__offer-card-category-title sharp-c-member-benefits-offer__offer-card-category-title@tablet sharp-c-member-benefits-offer__offer-card-category-title@mobile" tabindex="0"> Finanzas </div> <p class="sharp-c-member-benefits-offer__offer-card-source-name sharp-c-member-benefits-offer__offer-card-source-name@tablet sharp-c-member-benefits-offer__offer-card-source-name@mobile" tabindex="0"> Planificación patrimonial de Trust & Will </p> <div class="aarp-c-member-benefits__do_not_transform"> <p class="sharp-c-member-benefits-offer__offer-card-offer-title sharp-c-member-benefits-offer__offer-card-offer-title@tablet sharp-c-member-benefits-offer__offer-card-offer-title@mobile" tabindex="0"> Un 20% de ahorro en fideicomisos y testamentos </p> </div> <div 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class="sharp-c-member-benefits-offer--small-card"> <div class="sharp-c-member-benefits-offer__offer-card-container sharp-c-member-benefits-offer__offer-card-container@tablet sharp-c-member-benefits-offer__offer-card-container@laptop"> <a class="sharp-c-member-benefits-offer__offer-card sharp-c-member-benefits-offer__offer-card@tablet sharp-c-member-benefits-offer__offer-card@laptop aarp-c-member-benefits__do_not_transform" data-formelementid="MEM-BEN-OFFER-BTN-CLK-healthandwellness-lenscrafters-10098" href='https://www.aarp.org/espanol/membresia/beneficios/vista/lenscrafters/' target="_blank" data-categoryid="Salud y bienestar" data-asicategory="ASI Healthcare & Insurance" data-offerid="lenscrafters-10098" data-subcategoryid="Beneficios para la visión" data-offertype="discount" data-lineofbusiness="ASI healthcare" data-brand="EyeMed Vision Discounts | LensCrafters" data-offertiming="anytime" data-dbrofferid="4ac6c6c8a54bfed864ae5ea9445f2db8"> <div class="uxdia-c-adaptable__image"> <div id="image-ddf32dfd2e" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="eager"> <source media="(max-width: 320px)" srcset="https://aarp.widen.net/content/n2sgflzjry/jpeg/1140x641-lenscrafters-gettyImages-722238755-october-2019.jpeg?position=c&color=ffffffff&quality=99&u=qgu0ow&w=320"/> <source media=" (max-width: 480px)" srcset="https://aarp.widen.net/content/n2sgflzjry/jpeg/1140x641-lenscrafters-gettyImages-722238755-october-2019.jpeg?position=c&color=ffffffff&quality=99&u=qgu0ow&w=480"/> <source media=" (max-width: 767px)" srcset="https://aarp.widen.net/content/n2sgflzjry/jpeg/1140x641-lenscrafters-gettyImages-722238755-october-2019.jpeg?position=c&color=ffffffff&quality=99&u=qgu0ow&w=767"/> <source media=" (max-width: 960px)" srcset="https://aarp.widen.net/content/n2sgflzjry/jpeg/1140x641-lenscrafters-gettyImages-722238755-october-2019.jpeg?position=c&color=ffffffff&quality=99&u=qgu0ow&w=960"/> <source media=" (max-width: 1023px)" srcset="https://aarp.widen.net/content/n2sgflzjry/jpeg/1140x641-lenscrafters-gettyImages-722238755-october-2019.jpeg?position=c&color=ffffffff&quality=99&u=qgu0ow&w=1023"/> <img class="cmp-image__image cmp-image__image@tablet" src='https://aarp.widen.net/content/n2sgflzjry/jpeg/1140x641-lenscrafters-gettyImages-722238755-october-2019.jpeg?position=c&color=ffffffff&quality=99&u=qgu0ow' alt="Mature, bearded, African American man with black frame glasses" title="LensCrafters" width="1140" loading="eager"/> </picture> <meta itemprop="caption" content="LensCrafters"/> </div> </div> <div class="sharp-c-member-benefits-offer__offer-details"> <div class="uxdia-info_mb-card"> <span class="uxdia-info_lock-icon"></span> <span class="uxdia-info_mb-text">SOLAMENTE PARA SOCIOS</span> </div> <div data-categorylink="https://www.aarp.org/espanol/membresia/beneficios/salud/" class="sharp-c-member-benefits-offer__offer-card-category-title sharp-c-member-benefits-offer__offer-card-category-title@tablet sharp-c-member-benefits-offer__offer-card-category-title@mobile" tabindex="0"> Salud y bienestar </div> <p class="sharp-c-member-benefits-offer__offer-card-source-name sharp-c-member-benefits-offer__offer-card-source-name@tablet sharp-c-member-benefits-offer__offer-card-source-name@mobile" tabindex="0"> LensCrafters </p> <div class="aarp-c-member-benefits__do_not_transform"> <p class="sharp-c-member-benefits-offer__offer-card-offer-title sharp-c-member-benefits-offer__offer-card-offer-title@tablet sharp-c-member-benefits-offer__offer-card-offer-title@mobile" tabindex="0"> Ahorra un 50% en lentes con receta con la compra de un par completo y más </p> </div> <div class="aarp-c-member-benefits-offer-details__cta-button aarp-c-member-benefits-offer-details__cta-button@tablet aarp-c-member-benefits-offer-details__cta-button@mobile sharp-c-member-benefits-offer__offer-card-button"> <div class="aarp-c-button aarp-c-button--primary"> Learn More </div> </div> </div> </a> <div class="sharp-c-member-benefits-offer__offer-card-see-more sharp-c-member-benefits-offer__offer-card-see-more@tablet sharp-c-member-benefits-offer__offer-card-see-more@mobile" data-seemorelink="https://www.aarp.org/espanol/membresia/beneficios/salud/"> See more Salud y bienestar offers > </div> </div> <textarea class="progressive-comp-data" style="display:none;">{"hideCategory":false,"useAlternateLanguage":false,"headlineIconAltText":"","listItems":[{"categoryTitle":"Salud y bienestar","categoryUrl":"/espanol/membresia/beneficios/salud/","categoryDeeplinkParam":"healthandwellness","isLimitedTimeOffer":false,"offerJson":{"dbr_offer_id":"4ac6c6c8a54bfed864ae5ea9445f2db8","source_name":"LensCrafters","offer_title":"Un 50% de descuento en lentes con receta\u0026nbsp;con la compra de un par 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sharp-c-configurable-carousel__slide--multi"> <div class="sharp-c-member-benefits-offer--small-card"> <div class="sharp-c-member-benefits-offer__offer-card-container sharp-c-member-benefits-offer__offer-card-container@tablet sharp-c-member-benefits-offer__offer-card-container@laptop"> <a class="sharp-c-member-benefits-offer__offer-card sharp-c-member-benefits-offer__offer-card@tablet sharp-c-member-benefits-offer__offer-card@laptop aarp-c-member-benefits__do_not_transform" data-formelementid="MEM-BEN-OFFER-BTN-CLK-healthandwellness-staying-sharp" href='https://www.aarp.org/espanol/membresia/beneficios/salud/staying-sharp/' target="_blank" data-categoryid="Salud y bienestar" data-offerid="staying-sharp" data-offertype="Social Mission" data-brand="AARP® Staying Sharp®" data-offertiming="anytime" data-dbrofferid="525bc687a3d679e62f2b53b5536cb4f6"> <div class="uxdia-c-adaptable__image"> <div id="image-e22099b8bc" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="eager"> <source media="(max-width: 320px)" srcset="https://aarp.widen.net/content/wcem9cyzzy/jpeg/1140x641-staying-sharp-latino-couple-on-couch-with-tablet-esp.jpeg?position=c&color=ffffffff&quality=99&u=qgu0ow&w=320"/> <source media=" (max-width: 480px)" srcset="https://aarp.widen.net/content/wcem9cyzzy/jpeg/1140x641-staying-sharp-latino-couple-on-couch-with-tablet-esp.jpeg?position=c&color=ffffffff&quality=99&u=qgu0ow&w=480"/> <source media=" (max-width: 767px)" srcset="https://aarp.widen.net/content/wcem9cyzzy/jpeg/1140x641-staying-sharp-latino-couple-on-couch-with-tablet-esp.jpeg?position=c&color=ffffffff&quality=99&u=qgu0ow&w=767"/> <source media=" (max-width: 960px)" srcset="https://aarp.widen.net/content/wcem9cyzzy/jpeg/1140x641-staying-sharp-latino-couple-on-couch-with-tablet-esp.jpeg?position=c&color=ffffffff&quality=99&u=qgu0ow&w=960"/> <source media=" (max-width: 1023px)" srcset="https://aarp.widen.net/content/wcem9cyzzy/jpeg/1140x641-staying-sharp-latino-couple-on-couch-with-tablet-esp.jpeg?position=c&color=ffffffff&quality=99&u=qgu0ow&w=1023"/> <img class="cmp-image__image cmp-image__image@tablet" src='https://aarp.widen.net/content/wcem9cyzzy/jpeg/1140x641-staying-sharp-latino-couple-on-couch-with-tablet-esp.jpeg?position=c&color=ffffffff&quality=99&u=qgu0ow' alt="Una pareja sentada en el sofá de su hogar mirando la pantalla de una tableta." title="Una pareja sentada en el sofá de su hogar mirando la pantalla de una tableta." width="1140" loading="eager"/> </picture> <meta itemprop="caption" content="Una pareja sentada en el sofá de su hogar mirando la pantalla de una tableta."/> </div> </div> <div class="sharp-c-member-benefits-offer__offer-details"> <div data-categorylink="https://www.aarp.org/espanol/membresia/beneficios/salud/" class="sharp-c-member-benefits-offer__offer-card-category-title sharp-c-member-benefits-offer__offer-card-category-title@tablet sharp-c-member-benefits-offer__offer-card-category-title@mobile" tabindex="0"> Salud y bienestar </div> <p class="sharp-c-member-benefits-offer__offer-card-source-name sharp-c-member-benefits-offer__offer-card-source-name@tablet sharp-c-member-benefits-offer__offer-card-source-name@mobile" tabindex="0"> AARP® Staying Sharp® </p> <div class="aarp-c-member-benefits__do_not_transform"> <p class="sharp-c-member-benefits-offer__offer-card-offer-title sharp-c-member-benefits-offer__offer-card-offer-title@tablet sharp-c-member-benefits-offer__offer-card-offer-title@mobile" tabindex="0"> Actividades, recetas saludables, retos y más en AARP Staying Sharp® </p> </div> <div class="aarp-c-member-benefits-offer-details__cta-button aarp-c-member-benefits-offer-details__cta-button@tablet aarp-c-member-benefits-offer-details__cta-button@mobile sharp-c-member-benefits-offer__offer-card-button"> <div class="aarp-c-button aarp-c-button--primary"> Learn More </div> </div> </div> </a> <div class="sharp-c-member-benefits-offer__offer-card-see-more sharp-c-member-benefits-offer__offer-card-see-more@tablet sharp-c-member-benefits-offer__offer-card-see-more@mobile" data-seemorelink="https://www.aarp.org/espanol/membresia/beneficios/salud/"> See more Salud y bienestar offers > </div> </div> <textarea class="progressive-comp-data" style="display:none;">{"hideCategory":false,"useAlternateLanguage":false,"headlineIconAltText":"","listItems":[{"categoryTitle":"Salud y bienestar","categoryUrl":"/espanol/membresia/beneficios/salud/","categoryDeeplinkParam":"healthandwellness","isLimitedTimeOffer":false,"offerJson":{"dbr_offer_id":"525bc687a3d679e62f2b53b5536cb4f6","source_name":"AARP® Staying Sharp®","offer_title":"Aprende a 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