Millions of seniors today receive a monthly benefit from Social Security. And for many, that's their primary source of income.

Now ideally, you won't land in that boat, but rather will build yourself a nice amount of savings to tap in retirement. But even so, there's a good chance you'll end up relying on Social Security to some degree, so it's important to make the most of your benefits. And to do so, you'll need to file at the right time.

Now you may be inclined to claim Social Security early -- meaning, before your full retirement age (FRA) arrives. You can sign up for benefits as early as age 62.

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Source Fool.com