You can (and should) do a "file and suspend" at your full retirement age, and then wait until age 70.5 to get the max. Doing the "file and suspend" method is backup insurance in case you are forced due to unforeseen circumstances to suddenly start drawing from SS between your full retirement age, and 70.5. If that happens and you've done the "file and suspend", you will get accrued checks going back from that date to the date you filed and suspended! Good loophole, and there's no plans to plug it for now.
Plus if you are married, once you file and suspend on your record, your spouse (if they are full retirement age) can immediately file on YOUR record and draw the $$ difference between what they would get on their own work record from SS, and 1/2 your full retirement age amount, IF your amount is more than theirs. That might give them an extra couple of $100 dollars a month over their normal amount...