If You Can't Answer This Question, You're Not Ready for Social Security
When it comes to claiming Social Security, you get choices. You're allowed to begin collecting benefits as early as age 62, or you could sign up as late as age 70. Technically, you can even file for benefits beyond the age of 70, though financially speaking, delaying your claim past your 70th birthday makes little sense.
The age at which you file for Social Security will determine how much monthly income the program provides you with. So you shouldn't even begin to think about signing up for benefits if you can't answer one essential question.
Source Fool.com