DEAR RUSTY: I will be 66½ in June and would like to discuss when would be the best time for me to start taking my social security benefits. I am still employed full time and don’t want to be penalized because of that. — Ready to Claim DEAR READY: Deciding when to claim your Social Security benefit normally depends on just a few factors, including your financial need, your health and expected longevity, and your marital status.