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During your working years, you pay Social Security taxes to the government.

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When you retire, youre provided with monthly income for life.

But a look under the hood shows that Social Security can actually be quite complicated.

The biggest issue for mostretireesis when they should claim their benefits.

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But youre allowed to file for Social Security as early as age 62 or as late as age 70.

Reasons To Claim at Age 62

Heres a look at why you might want to claim early.

Your Life Expectancy Is Short

No one knows how long they will live with any certainty.

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If you wait until age 70 and have a short life span, you may never enjoy your benefits.

However, spousal benefits are based on the amount that the primary filer receives.

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