It's nice that Social Security gives you different options when it comes to claiming benefits. While the earliest age to sign up is 62, from there, you can basically file at any time.

Sure, there's no financial incentive to delay your claim past age 70. So at that point, you should sign up if you haven't done so already.

But if you want to claim Social Security at age 65 in conjunction with your Medicare enrollment, that's your choice. And if you decide you want to file at age 64 because it'll allow you to retire at the same time as your spouse, that's an option, too.

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Source Fool.com