There's a reason retirees are often told it's smart to hold off on claiming Social Security rather than filing at the earliest possible age of 62. If you wait until full retirement age, which is 67 for anyone born in 1960 or later, to file for Social Security, you'll get your monthly benefits without a reduction. Better yet, if you delay Social Security past full retirement age, each year you wait will boost your monthly checks by 8% for the rest of your life. That incentive ends at 70, but you could potentially wind up with benefits that are 24% higher than your full retirement age benefit by waiting. Image source: Getty Images.
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