Fact checked by Vikki Velasquez If you're nearing retirement, you’ve probably wondered when to start taking Social Security benefits. For years, age 65 was considered the “normal” retirement age, but a law passed in 1983 gradually raised this age to reflect the increasing life expectancy of Americans.

The average retiree would collect about 9% more retirement income from Social Security if they claimed their benefits at an optimal age. Only 4% of retirees seem to have claimed their benefits at the best time.

Key Points Working while collecting Social Security can help you supplement your retirement income. You can work as much as you want after reaching full retirement age. If you claim benefits before FRA,