Many seniors struggle with when to file for Social Security benefits. Your lifetime earnings and filing age affect your monthly benefit. At full retirement age, you get your full benefit, but filing early reduces it, while delaying increases it up to age 70. Consider your health and how it may impact your decision. Don’t forget about how your claim could affect your spouse’s survivor benefits. Discuss with your spouse to make the best decision together. Learn how to maximize your benefits for a more secure retirement. Don’t overlook the potential bonus of up to $23,760 per year.

Read more at Nasdaq: Claiming Social Security Early Because of Poor Health? It May Not Be a Good Idea for This Reason.