Timing is everything when claiming Social Security, and your retirement can depend on when you file for benefits. But is there a worst possible time? In most cases, yes — but it depends on your circumstances. Here are the worst times to claim Social Security, according to your situation. Any Earlier Than You Must if You Have the Means To Wait According to the Pew Research Center, most retirees rely on Social Security to get by. The most recent data shows that more than 38 million beneficiaries, or around ...