"Workers who delay claiming Social Security for one additional year, say, from 63 to 64, after the full retirement age is raised from 67 to 68 would see little change in their monthly pension, but would receive it for one less year. The delay seems fair if the worker has enjoyed the same improvement in life expectancy as fellow workers. It doesn't seem so fair if the worker has seen little or no gain in life span. It's easy to identify a group that has missed out on recent life expectancy gains -- workers who earn low wages throughout their careers."