A financial advisor emphasizes the importance of considering the timing of Social Security claims. Benefits can increase significantly for those who delay claiming, with growth of about 8 percent annually until age 70. This increase can be particularly beneficial for married couples with differing payment histories.

For individuals born in 1967 or later, the full retirement age is now 67. Claiming early, at 62, results in a reduced monthly benefit that lasts a lifetime.

Further details on strategies for maximizing Social Security benefits, particularly for married couples, are available from financial experts.