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For many individuals, Social Security is critical to their retirement. Two out of 3 seniors rely on Social Security benefits for the majority of their retirement income. Americans have traditionally relied on Social Security, personal savings and employer pensions to have sufficient income for retirement. But savings rates have dropped, Real Estate values have plummeted and the availability and value of employer pension plans are rapidly declining. So for many individuals, Social Security is the only stable retirement income scource.

Many approaching retirement are not aware of the strategies that could have a significant impact on their retirement income. Most know that you can start collecting Social Security benefits at any time between age 62 and age 70. Most also know that if you wait you can expect to receive a larger monthly Social Security check. Unfortunately most Americans are not delaying taking Social Security to achieve this benefit. If you are an average worker expected to live an average life expectancy you would do much better by delaying receiving Social Security until later years. If you end up living longer than the average, you come out ahead. Or course if you end up living less than the average age, delayed claiming would not be to your advantage.