A Fruitful Retirement: Social Security Benefit Taking your Social Security benefits at the right time may help maximize your benefit. Related Content When Do You Need a Will? When do you need a will? The answer is easy: Right Now. Earnings for All Seasons Earnings season can move markets. What is it and why is it important? What's New for Social Security? There have been a number of changes to Social Security that may affect you, especially if you are nearing retirement.