When you're getting ready to claim Social Security, you owe it to yourself to make sure you won't regret the decision to file for benefits.

Your choice of when to get your first payment is going to have a huge effect on the rest of your retirement and potentially on your surviving spouse as well. Since the decision is important, it's best to make sure you know how to make it wisely. 

In particular, if you don't want to risk regretting your Social Security benefits claim, there are three crucial steps you must take before you file for benefits for the first time. 

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Source Fool.com