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Public-pension effects on Social Security benefits
Anyone who earns 10 years of Social Security work credits is eligible to receive a Social Security benefit at retirement age. Your benefit amount is based on your earnings averaged over the 35 years you earned the most and the age you begin receiving your Social Security checks. The higher your lifetime earnings and the longer (up to age 70) you delay collecting benefits, the larger the monthly check. However, for certain workers Social Security imposes two “offsets” that reduce, sometimes drastically, the full monthly benefits that would otherwise be paid…Read More
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