Vipin Saraf

Claiming at 62 brings income sooner, but locks in a smaller monthly check; waiting can grow benefits when finances and health support delay.
After full retirement age, each full yr delayed can mean checks ↑~8% until age 70, creating lifetime income upside for patient retirees.
Waiting may fit people still working, drawing other income, or not relying on benefits for everyday expenses during the gap before checks begin.
For married couples, the higher earner's timing matters because the survivor keeps the larger benefit, not both checks, after one spouse dies.
Best timing depends on current bills, future check size, spouse support, health, work plans, savings, and whether delaying is actually affordable now.