Dear Rusty: I am nearing my full retirement age of 66 and given the differences in age of my wife and I, and the retirement benefits we will each receive; I was wondering what the best options are for us claiming Social Security and when. I am 65 and will turn 66 (my full retirement age) in September and my benefit then will be $2347/ month as per the latest estimate on the Social Security Administration website. My Wife is currently 58 years old. Her full retirement age is 67, which will be in January 2028.