The Social Security Administration needs to up its game when it comes to helping retirees decide when to claim their benefits.

The timing of a Social Security claim is the most important financial decision most workers will make about their retirement.

Benefits can be claimed as early as age 62, but waiting just a few years can boost annual benefits by a whopping 25%- or more. Yet data from the Social Security Administration (SSA) shows that nearly half of workers claim benefits right away.