Key Points If you're thinking about claiming Social Security next year, you need to understand how your claim will impact your retirement income. Your claiming age will affect your monthly and lifetime benefits. The data is clear on the best age to claim, and if you aren't reaching that age next year, you should carefully consider your options. The $23,760 Social Security bonus most retirees completely overlook › Deciding when to claim Social Security can impact your finances throughout your ent ...