FILE - In this Nov. 14, 2018, file photo people walk through lower Manhattan's Zuccotti Park at the start of a work day in New York.A new study finds that only 4% of retirees start claiming their Social Security benefits at the most financially optimal time. And current retirees collectively will lose $3.4 trillion in potential income to fund their retirement because they started drawing benefits at a less than ideal time. That’s roughly $111,000 per household, according to the research from United Income, an online investment management and financial planning firm. (AP Photo/Wong Maye-E, File)
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