Attention Baby Boomers who will soon be turning age 62 and are planning on taking Social Security benefits early, be sure to do your homework before you sign the paperwork.

A Nationwide Retirement Institute survey of 909 U.S. adults aged 50 or older found that many of those who claimed their Social Security benefits early wish they could change their decision – and the top reason is to maximize their benefit. Meanwhile, of those who wouldn’t change their decision, many say they had no choice – saying they needed the money.