The Social Security Conundrum: When Later Isn't Always Better The eternal conundrum of when to claim Social Security benefits has been a source of debate and anxiety for retirees.
A growing trend among financially comfortable individuals is opting to claim their benefits at 66, rather than waiting until 70 for the larger delayed retirement credits.
This decision may seem counterintuitive, given conventional wisdom that delaying benefits yields a higher payout in later years.