Key Points At 70, you score the highest possible Social Security benefit based on your earnings history. While larger monthly checks might give you peace of mind and larger COLAs, they won't necessarily result in more lifetime income. You might also miss out on the opportunity to enjoy the money when you're younger. The $23,760 Social Security bonus most retirees completely overlook › When it comes to planning your retirement, there are certain tough choices you might have to make, like deciding which account to withdraw from first and how to manage taxes. You'll also need to figure out when to claim Social Security . And that's probably a more loaded decision than you think it is. Once you turn 62, you can sign up for Social Security at any time.
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