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Retroactive Benefits

Most people know you can apply for your Social Security benefits as early as age 62. Most people also know if you do claim early you will be permanently locked into a lower lifetime benefit than had you waited until your Full Retirement Age (FRA) before claiming your retirement benefits. However, what most people don’t know is that in addition to permanently lowering your lifetime benefits, claiming early also exempts you from taking advantage of many claiming strategies available only to those who wait until their FRA or later before filing for their Social Security retirement benefits. (To learn more about your Full Retirement Age read our blog post on this topic. To learn what your FRA is click here for our handy table or visit our Resources section.)  Read more…


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