When should I claim

There are 3 Major Factors:

1. How is your Health
2. Your Parents and Grand-Parents Genetics
3. What is your Financial Situation

How is your Health

Do not think too much into it.  How is your helth?  

Your Parents and Grand-Parents Genetics

Not to be uncaring but what age were your grand-parents and parents at the time of death.  This is a good start to see what type of genetics you have.

What is your Financial Situation

1. If you drawl early as soon as age of 62 which is before full retirement you will be giving up a small fractional precent per-month of the early retirement of 62
2. If you drawl at full retirement your amount is calculated for 35 years of your top earnings
3. If you drawl at age 70 which is after full retirement you will get a fractional percent more per-month until you actually retirement or 70