There are a few different factors that must be considered when deciding whether it is worth it to wait until age 70 to take Social Security. The amount of your benefits is one factor, but your health and life expectancy are two of the most important. In most cases, you would need to live into your 80s to make it worth it to wait until 70 to start Social Security. If your life expectancy is shorter than average, then you should probably not wait until 70. It would likely make better financial sense for you to start your benefits early, as that would likely lead to a higher cumulative benefit amount.