The most beneficial age to claim Social Security benefits depends on your personal circumstances and financial situation. You can start claiming Social Security retirement benefits as early as age 62, (or age 60 for widow survivor's benefits) but the amount you receive will be reduced compared to waiting until your full retirement age (which ranges from 66 to 67, depending on the year you were born).
If you can afford to wait until after your full retirement age to claim benefits, you can receive an increased benefit amount. For each year you delay claiming benefits beyond your full retirement age, your benefit amount will increase by a certain percentage, up to age 70. After age 70, there is no additional benefit for waiting to claim.
It's important to consider your individual financial needs and life expectancy when deciding when to claim Social Security benefits. If you have a longer life expectancy and can afford to delay claiming benefits, it may be beneficial to wait. However, if you have a shorter life expectancy or need the income to support your retirement, it may make sense to claim benefits earlier. Additionally, you may want to consider factors such as your other sources of retirement income, such as pensions or personal savings, and your anticipated retirement expenses when making your decision.
Overall, there is no one-size-fits-all answer to the question of when to claim Social Security benefits, and it's important to carefully consider your personal situation before deciding.