The question of what is the best age to file for Social Security doesn't have the same answer for everyone, but waiting longer to start collecting your retirement benefit can pay.

Americans who qualify for Social Security retirement benefits have the option of starting to collect their monthly checks any time between the ages of 62 and 70. While this is a pretty wide window, it may surprise you to learn that the vast majority of Americans start collecting Social Security at or before their full retirement age, and just 12% choose to delay filling past age 66.

While there certainly are some good reasons not to delay filling for Social Security, it does make sense in certain situations. Here are three reasons why choosing to wait as long as you can before starting to collect Social Security can make good financial sense for you.