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The Best Reason to Take Social Security Long Before Age 70 Chuck Saletta © Provided by The Motley Fool The Best Reason to Take Social Security Long Before Age 70 Social Security offers you a choice when it comes to taking your retirement benefits. You can start as early as age 62, but the longer you wait (up until age 70), the higher your monthly check will be. For people born in 1960 or later, their full retirement age is 67. If that describes you, taking your benefit at 62 will lower it to 70% of your projected full benefit amount, while waiting until age 70 will increase it to 124% of that amount.

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