Dear Rusty: I have a question regarding my SS benefits. I turned 68 this month and work part time. I earned $28,000 last year but will probably gross $36,000 to $38,000 this year. My husband collects his SS, and he earned $25,000 last year. I was told by a financial planner that I should apply for my benefits now, instead of waiting until I’m 70. I would collect $1700/month at 68 and $1944/ month if I wait. Which is the smarter move? Signed: Seeking Answers Dear Seeking: I’m sure your financial advisor would agree that your decision on when to claim your Social Security comes down to just a few basic things – 1) how badly you need the money, 2) your life expectancy, and 3) whether you will receive a spousal boost from your husband when you claim.