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3 Times It Makes Sense to File Early for Social Security

(By Maryalene LaPonsie, U.S. News & World Report)

For those who have paid into the system, Social Security promises to provide a reliable source of income during your senior years. However, how much you receive each month depends on exactly when you retire. While a person needs to wait until his or her full retirement age – that would be 66 for those born between 1943 and 1954 – to receive full benefits, the government allows those as young as 62 to file for Social Security. In exchange for early benefits, a senior agrees to receive a reduced monthly amount for the rest of his or her life. Read more…

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