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Filing for SS early means a permanent reduction

In this article appearing at, Karin Price Mueller fields a question from someone who filed early for Social Security benefits and expected to be able to re-file for a higher benefit at full retirement age. Despite the questioner’s belief that was possible, Social Security’s rules do not permit re-filing for higher benefits on your own work record – by filing early you are filing for all benefits available to you at that time and you are taking a permanent reduction in your benefit amount. Within the article, the author consults with a local financial advisor who explains what might have been a misunderstanding of the rules. Click here to read more.

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