Hundreds of thousands of people will be filing for Social Security benefits in 2022. So today, I’m going to write a column about when and how to file for Social Security benefits. But first, let me clarify the “when to file” part. As I’ve said over and over again in this column, I am not a financial planner. So, I really can’t advise you about the best time to start your Social Security benefits. That’s a decision only you can make, perhaps after consulting a real financial planner. I’m just an old retired Social Security guy. All I can do is explain Social Security rules to you to help you make that decision. (In my book “Social Security—Simple and Smart,” I have a whole chapter devoted to this topic, so you might want to check it out. You can order the book online at Amazon.com.) So, whether you make that …