Retirement is not one-size-fits-all. It can mean different things to different people. Perhaps you have not applied for Social Security retirement benefits because you’re still working or are delaying applying so you can get the higher benefit. However, you need to know that if you are age 70 or older, you should go ahead apply now for the benefits you are owed. Your benefits will not increase once you turn 70, even if you still are working and paying Social Security tax.