A Fruitful Retirement: Social Security Benefit Taking your Social Security benefits at the right time may help maximize your benefit. Share | Related Content Tuning Your Social Security Benefit When should you take your Social Security benefit? Social Security: What’s Changing in 2016? There have been a number of changes to Social Security that may affect you, especially if you are nearing retirement. Annuity Comparison This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.