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When it comes to filing for Social Security, you get plenty of choices. The earliest age to sign up for benefits is age 62. While there's technically no "last age" to file, there's no financial incentive to delay your claim beyond age 70.

Smack in the middle of that window is age 65. And you might assume that it's a good time to sign up for benefits. But before you make that decision, consider the drawbacks of claiming Social Security at that time.

Age 65 is when Medicare eligibility begins. And if you're enrolling in Medicare, you may be inclined to sign up for Social Security at the same time. In fact, you might think you should sign up for benefits because you'll be using the Social Security Administration's website to enroll in Medicare online.

But age 65 is not full retirement age (FRA) for Social Security purposes. And claiming benefits before FRA means reducing them in the process on a permanent basis.

If you were born in 1960 or later, FRA is age 67. If you were born earlier, it's either 66 or 66 and a specific number of months.

But let's assume your FRA is 67. If you claim Social Security at age 65, you'll slash your monthly benefits by about 13.34%. That may not seem like a big deal at first, but in reality, it could be huge.

Imagine that 13.34% reduction results in $200 less in Social Security income each month, or $2,400 a year. In case you haven't noticed, inflation has been soaring this year, and in a situation like that, not having an extra $200 on hand could be financially catastrophic.

Then there's the fact that Social Security will only replace about 40% of your pre-retirement earnings to begin with, assuming you make an average salary. Most seniors need roughly twice that much income to maintain a decent lifestyle.

If you have a large nest egg, you may be in a position to manage a 13.34% reduction in benefits just fine. But if you're low on savings, you may not be able to afford any sort of hit to your benefits whatsoever.

Tempting as it may be to claim Social Security in conjunction with your Medicare enrollment, waiting until FRA to sign up for benefits could end up being a much better financial move. In fact, if you're nearing retirement without much savings, you may want to consider delaying your filing past FRA. For each year you do, up until age 70, your benefits will increase by 8%. And that extra income could make it so you're able to manage your bills without worry.

You should also know that collecting Social Security is not a prerequisite to getting Medicare coverage. If you're not signed up for benefits, you'll have to pay your Medicare premiums directly, as opposed to having them taken out of your Social Security payments. But that shouldn't serve as a reason to file early.

The $18,984 Social Security bonus most retirees completely overlook

If you're like most Americans, you're a few years (or more) behind on your retirement savings. But a handful of little-known "Social Security secrets" could help ensure a boost in your retirement income. For example: one easy trick could pay you as much as $18,984 more... each year! Once you learn how to maximize your Social Security benefits, we think you could retire confidently with the peace of mind we're all after. Simply click here to discover how to learn more about these strategies.

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· Terrain on the Parkway offers 160 new 1-, 2- and 3-bedroom apartments at 1625 Lehigh Parkway East in Allentown. Other amenities include a club room, fitness center, conference rooms and package lockers. Monthly rent starts at $1,575 with three-bedroom, two-bath units starting at $2,540.

· The former site of the flagship Hess's department store will soon be home to another company with local roots. Lehigh Valley native Don Wenner is moving his real estate investment and finance firm DLP Capital from Bethlehem to Allentown at 835 W. Hamilton St.

· While Wells Fargo has been the leader in closing banks lately, it will hold a ribbon-cutting for its new downtown Allentown office at 740 Hamilton St. on June 30.

· If you're in the market for sterling silver jewelry, minerals and semi-precious gemstones, C& I Minerals is now operating at the South Mall at 3300 Lehigh St. in Allentown.

· The Allentown-based utility company PPL Corp. has a new approach after making two big transactions. It sold its U.K. operations, taking a lot of risk and currency complications out of its business, and bought a major Rhode Island utility.

· Ownership at Martellucci's Pizzeria in Bethlehem has changed, but the nearly half-century tradition there continues. Paul and Donna Hlavinka and their family are running the pizza place at 1419 Easton Ave., just as it has been operated for 49 years. 

· Dr. Jacob Kasprenski's father and grandfather were both physicians in the Lehigh Valley, and now he's following in their footsteps of serving the community. His new Kasprenski Family Eye Care opened at 1088 Howertown Road, Catasauqua.

· This longtime downtown Easton lunch spot closed early in the COVID-19 pandemic, but it could be making a comeback. A plan to split the space with a vegan deli did not work out, but a June 13 Historic District Commission meeting approved a request for a new sign at Josie's at 14 Centre Square. 

· Zekraft cafe has opened its second location in the Easton Silk Mill in Easton. The first Zekraft restaurant was opened in Bethlehem. The restaurants' menus change frequently, with a focus on local ingredients. 

· Manta Massage at 319 Main St., Emmaus, will hold its grand opening on July 10 starting at 11 a.m. Services offered include facial cupping, and massages including targeted warm Himalayan salt stone and targeted facial massage.

· The former Iron Lakes Country Club, constructed in the late 1950s and early 1960s, will operate at 3625 Shankweiler Road in North Whitehall Township under its new name, The Club at Twin Lakes. The Jaindl family purchased the golf course last year, and worked with KemperSports Management to upgrade it. 

· Prologis, a titan in the logistics industry, is the choice of Air Products and Chemicals to own and operate three warehouses proposed in Upper Macungie Township. The industrial gas company said Prologis will use some of the former Air Products headquarters campus at 7201 Hamilton Blvd. for the warehouses, totaling about 2.6 million square feet. 

· Lehigh Valley Health Network ceremonially opened its first Carbon County hospital — a $78 million, 100,578-square-foot facility that officials billed as a "full-service community hospital." It's located at 2128 Blakeslee Boulevard Drive East in Mahoning Township.

· Pocono Township commissioners voted to approve a plan to build Pennsylvania's largest solar field on a mountain slope, despite pleas by some residents to reject the project for environmental concerns. Commissioners voted 4-1 to accept Swiftwater Solar's preliminary final plan for the $111 million, 80-megawatt field on a private 644-acre site on top of Bear Mountain that would include about 200,000 solar panels.

· Firetree Ltd., which is based in Williamsport and operates treatment centers for people with drug and alcohol addiction and other clients transitioning out of prison, wants to expand its in-patient rehab operation at the former Sands Ford auto dealership at 440 N Claude A Lord Blvd. (Route 61), Pottsville. To do that, it needs the Pottsville Zoning Hearing Board's approval regarding the use of the land.

· A Dunkin' in Schuylkill County has become just the fourth location of the donut and coffee chain to go entirely digital. The remodeled store at 400 Terry Rich Blvd., St. Clair, has replaced its traditional order counter with two in-store kiosks at which customers place digital orders and pay using a credit card or Dunkin' gift card.

· The Conservatory music school in Bucks County will close after 34 years, and school officials say the COVID-19 pandemic is the cause. The nonprofit, located at 4059 Skyron Drive, Doylestown, will close June 30.

· A Popeyes Louisiana Kitchen and Arby's will be built on the site of the former Ahart's Market on Route 22 in Phillipsburg, New Jersey.

· Hunterdon County Chamber of Commerce offices and the Unity Bank Center for Business & Entrepreneurship will be located at 119 Main St., Flemington. The building was erected in 1847 and was once the home of George Hall Large, who served as president of the New Jersey state Senate.

· Honeygrow opens Quakertown location, next to Chipotle on Route 309, on June 3.

· Dunkin' reopens remodeled restaurant at 1174 MacArthur Road in Whitehall Township

· Muse Modern Med Spa at 325 Fifth St. in Whitehall Township  will hold a grand opening June 4.

· Around Again, a consignment store, opened at 154 S. Main St., Phillipsburg

· Steak and Steel Hibachi, a restaurant in the works at 44 W. Walnut St., Bethlehem, still plans on opening late this summer. 

· Take It Outdoors Recreation Hub has moved to a spot along the Schuylkill River Trail at Riverfront Park in Pottstown, Montgomery County

· Pedego Electric Bikes has a new outlet in Lambertville, N.J. at 13 N. Union St.

· Amanda Vachris has opened a new Keller Williams Real Estate office at 15 St. John St. in Schuylkill Haven.

· Easton's new West Ward Market will open Wednesday and be open on Wednesday's through the summer from 3 p.m. to 7 p.m. The market, created by the Greater Easton Development Partnership, will sell fresh produce on 12th Street, next to Paxinosa Elementary School.

· Ciao Sandwich Shoppe is adding a second location, this time on College Hill in Easton. Ciao plans to open at 325 Cattell St. in late summer. Ciao already operates in downtown Easton at 12 N. Third St

· Ma's Crepes and Cakes will hold a grand opening and ribbon-cutting June 16 at 46 W. Broadway, Jim Thorpe. The celebration starts at 5 p.m., with the ribbon cutting at 5:45 p.m. 

· Bethlehem's Back Door Bakeshop will reopen as a wholesale operation at 7 E. Church St. in the city's historic district. The business was open for nine years as a retail outlet at Broad and Center streets, before announcing in March that it would close the storefront April 3 and "go back to its origins as a wholesale business."

·The Beef Baron on Catasauqua Road in Bethlehem is closed indefinitely for renovations

· The Brothers That Just Do Gutters are opening a new location in Allentown at 1302 N. 18th St.

· St. John Chrysostom Academy, an Orthodox school serving grades 1-9 starting this fall, held a grand opening at its St. Francis Center, Bethlehem, campus.

· Easton Commons, a shopping center anchored by Giant Foods at 2920 Easton Ave., Bethlehem Township, has a new name: The Shops at Bethlehem.

· Carbon County is getting a taste of Brazil at Uai Brasil BBQ at 315 Lehigh Ave. in Palmerton.

· The Keystone Pub in Bethlehem Township, at 3259 Easton Avenue, has reopened after a lengthy and expensive renovation. 

· The Trading Post Depot opened at 401 Northampton St., Easton. The rustic furniture store makes custom tables for dining rooms, desktops, conference centers and more.

· The Easton area has a new gym: Homemade Fitness at 444 Cedarville Road in Williams Township.

· Il Gaetano Ristorante opened at its 665 Columbus Ave., Phillipsburg, location. 

· Ciao! Sandwich Shoppe to open second location on College Hill in Easton, replacing The Kettle Room

· Rene and Grisellies Benique have opened Ezekiel 47 Cafe at 10 S. Fifth Ave., off Fifth and Penn avenues, in West Reading. 

· Alter Ego Salon and Day Spa in Emmaus is holding a grand opening Sunday, May 22, from 11 a.m. to 3 p.m., with a ribbon cutting at noon. 

· Origen Latin Fusion has opened at the site of the former Tomcat Cafe in Sinking Spring, Berks County. 

· Sellersville Senior Residences will hold a ribbon-cutting ceremony May 24. The Bucks County affordable-housing community for adults 55 and older has 50 apartments, with eight allocated for people with behavioral health needs.

· The House and Barn in Emmaus has opened its Shed outdoor dining and cigar bar area. The House and Barn is at 1449 Chestnut St. in Emmaus.

· Realtor Amanda Vachris and the Schuylkill Chamber of Commerce will hold a ribbon cutting at Vachris's new Keller Williams Real Estate office at 15 St. John St., Schuylkill Haven, at 4 p.m. on May 24.

· Il Gaetano Ristorante will hold a grand opening on Friday, May 20, at 5:30 p.m. The 665 Columbus Ave., Phillipsburg.

· First Commonwealth Federal Credit Union will hold a grand opening at its new headquarters in Trexlertown, 6126 Hamilton Blvd., on May 18.

· Vinyl Press Signs & Graphics has relocated within Emmaus. The new site is 15 S. Second St., not far from the former Sixth Street location.

· Pedro's Cafe in Emmaus to close

· SV Sports (formerly Schuylkill Valley Sports) to close Quakertown location

· Flemington DIY will host a Grand Re-Opening on May 14 at 26 Stangl Road, Flemington. The celebration will kick off at 10 a.m. 

· Elpedio’s Ristorante at Seipsville opened at 2912 Old Nazareth Road in Easton. The restaurant is open Wednesday through Sunday.

· Uai Brazil opened at 315 Lehigh Ave, Palmerton, offering both a seated or buffet option. 

· Colombian Mex Restaurant opened at 107 E Union Blvd in Bethlehem, offering traditional Colombian cuisine. 

· Precision Ink opened at 161 W Berwick St. in Easton. 

· King Wing opened a location in Bethlehem at 129 E. Third St., serving wings and sandwiches.  

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