Claiming your benefits before your Normal Retirement Age.
Claiming your benefit after your Normal Retirement Age.
File and Suspend:
If you were born after April 30, 1950, this strategy is no longer available. Congress killed it so it just doesn't make sense to get into the details now.
If you were born on or before January 1, 1954 AND:
When spouse #1 reaches Normal Retirement Age and spouse #2 is already receiving a benefit, spouse #1 may file an application to Social Security, but restrict the benefit to a spousal benefit. By doing this, spouse #1's PIA benefit continues to grow at 8% (simple interest) until age 70. Then, at 70, the spousal benefit can be turned off and your own benefit can be turned on....leading to possibly much higher total Social Security benefits.