Once you turn 62, you can file for Social Security at any point in time. But you won't be entitled to your full monthly benefit based on your personal wage history until you reach full retirement age, which is 67 if you were born in 1960 or later.

Waiting until age 67, however, might not align with your plans. So you may be inclined to push yourself to wait on Social Security until age 65 instead. If you go this route, you won't be claiming benefits as early as possible, and you'll be able to sign up in conjunction with getting on Medicare.

Filing for Social Security at 65 might seem like a reasonable compromise. But here are three reasons it could pay to claim your benefits even sooner.

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Source Fool.com