File and Suspend If You’re Single
When you’re single, you don’t need to worry about survivor benefits — your benefits will end when they do. If you’re in good health, however, and want to put off taking your benefits so you can get more money, still file when you turn 66 — and ask Social Security to suspend your benefits. As a result, you can collect all of the benefits that accumulate after you file your claim, which would provide you with a significant cash reserve.