If you feel it is true that there are "extra" social security benefits available, please list the source of your information here so that we can take a look at it. Under normal circumstances and if you are talking social security retirement benefits, since you were born in 1969 your FRA (full retirement age) is 67. If you take benefits under your own account at any age less than 67, your benefits will be reduced from the amount you will receive at age 67. At the same time, if you retire at any age 67+ up to age 70, your benefits will increase. Your benefits will not increase from age 70--so there really isn't a good reason to not start drawing social security by at least age 70. Hope that helps.