Dear Anxious: The reason your wife received a letter from Social Security (SS) suggesting she claims now is because her benefit reached maximum some time ago at age 70. Thus, there is no reason for her to wait beyond age 70 to claim. By delaying past age 70 your wife is losing money so she should apply as soon as possible. I suggest your wife call Social Security at 1.800.772.1213 (or your loca...