Spectrem Articles Subscription A Spectrem article subscription is required to access articles in this dashboard. Article Date: 08/03/2016 Timing is Everything--Social Security Benefits Perhaps the most important retirement planning decisions Americans can make beyond when to retire is deciding when to claim Social Security benefits. Financial literacy regarding Social Security becomes imperative for Americans who want to ensure that they claim the maximum amount of benefits to which they are entitled.For Defined Contribution plan ... Log in to view full article. Sign In Forgot your password? For more information about Spectrem Articles Subscription Plan, or to purchase CLICK HERE