Many people nearing retirement age wonder about the best time to file for social security retirement benefits. Retirement benefits vary depending on your age you claim them, and you have three options: at age 62, at your full retirement age, which is approximately ages 65-67, depending on your birth year, or at age 70. The longer you wait to file social security benefits, the higher the benefit amount, or payment, you will receive each month. For some individuals, waiting to reach age 70 is not an option. In this case, you should file your claim at least three months prior to the birthday upon which you become eligible, to ensure the Social Security Administration has enough time to process your claim so you will receive timely benefits without a long waiting period. To receive expert assistance, contact an experienced social security attorney.