Social Security benefits probably are going to provide a good portion of your income in retirement. That's why it's so important to make sure you understand how these benefits work and when you should claim them. Unfortunately, 91% of older adults have no idea what factors impact whether they'll receive the maximum Social Security benefits, according to a survey conducted by Nationwide.If you're one of the majority who's not exactly sure when to claim Social Security -- or why the time you claim matters -- read on to find out five key steps to take to decide when to claim your benefits. Image source: Getty Images.Continue reading