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Benefits are reduced up to 30% if you claim benefits at age 62 versus full retirement age. You can receive even more if you wait until age 70. The difference between taking benefits at 70 versus ...
The question of when to apply for Social Security benefits runs much deeper than following a simple timeline, however. If you claim your benefits early, at age 62, you’re locking in a permanent ...
Many people are aware that claiming Social Security at age 62 means accepting a reduced monthly benefit for the remainder of their retirement. But what you may not realize is just how strong a ...
You can claim as early as 62 regardless of your FRA. But doing so reduces your monthly checks. Specifically, you lose 5/9 of 1% per month (6.67% per year) for your first 36 months of early claiming.
Year of birth. Full retirement age. 1937 and before. 65. 1938-1942. 65 + 2 months for each year past 1937. 1943-1954. 66. 1955-1959. 66 + 2 months for each year past 1954
That means those who apply immediately at 62 reduce their monthly checks by 25% if their FRA is 66, or 30% if their FRA is 67. That's enough to drop the $1,967 average monthly benefit in 2025 to ...
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