Key Points Working longer could give you a chance to boost your IRA or 401(k) ahead of retirement. It's not a given that you'll be able to work full-time as long as you want to, and it may not be good for your health. There may be a more sustainable solution to the problem of not having enough savings. The $23,760 Social Security bonus most retirees completely overlook › There's no such thing as an official retirement age in the U.S. Age 62 is the earliest age to claim Social Security. And 67 is ...