How’s My Health?
Your health can play a big role in when you should claim your Social Security retirement benefits. While no one can predict with certainty how long they will live, you can make an educated guess based on your family history, genetics and personal health situation.
If you’ve lived a healthy life and your family tree shows signs of longevity, you might be able to maximize your benefits by waiting to claim until after your full retirement age. If you’ve had health problems or if they run in your family, you might want to take benefits early.