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.

Working while collecting Social Security can make good sense for some seniors. Those who want to work part-time but still enjoy the retirement lifestyle may decide that Social Security is a good way to supplement their paychecks.

For millions of Americans, the Social Security retirement check is a lifeline. However, certain overlooked factors can jeopardize this crucial income source. Understanding these risks is essential for a secure retirement.