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Filing for Benefits Early: There are Pros and Cons

Electing to begin drawing Social Security benefits before your full retirement age is still the most popular move those aging into the program make. And there are often very sound reasons why, including health issues, cash needs, etc. But when weighing the decision, there’s a downside that should be clearly understood if you intend to remain in the workforce after your benefits start: the provision known as the “Earnings Test.” As explained in an article by David G. Freitag, CLU posted on, this provision could be “…a serious roadblock that must be considered,” since it might place a restriction on your income plans (at least until you reach full retirement age). Check out the Freitag post here…

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