Many retirees assume they'll claim Social Security as soon as they've left the workforce. Or they plan to start their benefits at a certain age, such as 62 when checks first become available.

But before you get your first payment, you must be sure doing so isn't a mistake and that you're really ready for it. It can be difficult to know if that's the case, but there's one clear sign to be on the lookout for that suggests you definitely shouldn't be filing for benefits just yet.

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Source Fool.com