It’s easy to think that when it comes to numbers, especially money, higher automatically equals better.

Every senior’s Social Security payment amount is unique to their income and circumstances. But the quest to get a higher payment appeals to all seniors — or does it?

As we’ve covered, claiming earlier can result in lower Social Security payments. But for some people, this may be the right move.

Consider people who have health issues, and can’t work any longer. In some cases, being able to take benefits in your mid-60s can help you rest, relax, and retire with a better quality of life. Some say that’s a benefit you can’t put a price on.

But what about affluent seniors who are professionally and financially focused? Even if they rely on private savings to fund their retirement needs, they can claim benefits early and use them to make money, in terms of investments and side projects. That can turn a low payment into a high payout.

Will you be taking Social Security early? If you’ve already done so, are you happy with your decision? Share your thoughts, then follow NORA on Facebook and Twitter.