Life expectancy and personal health are important factors to consider in deciding when to start your Social Security benefit. There is no “one best age” to start collecting Social Security benefits. The decision involves many factors such as financial need, health, longevity and marital status. You receive the highest monthly retirement benefit amount by waiting until age 70. However, this may not be the best strategy for everyone. The Social Security Administration has several calculators to help you on their website at https://www.ssa.gov/planners/benefitcalculators.html. You can also use AARP’s Social Security Benefits Calculator at www.aarp.org/socialsecuritybenefits for guidance on when to claim your benefit.