For many people it makes sense to start taking Social Security at their full retirement age based on the research by Bud Hebeler - you can read more here: http://www.newretirement.com/Answers/Bud-Hebeler/Social-Security-Taking.aspxHowever if you have a long life expectancy - waiting until 70 may be better. You can use our Social Security Calculator to check your breakeven age (how long you'd need to live to make waiting worthwhile):https://www.newretirement.com/Services/Social_Security_Start_Age_Calculator.aspxGood luck!