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The Case for Claiming SS at Full Retirement Age

It’s pretty simple, really. You have an 8 year window to claim your Social Security benefits, starting at age 62 and up to age 70 when your benefit amount will reach maximum. And somewhere close to the middle of those ages will be your “full retirement age” (FRA), which is the age at which you will get 100% of the benefit you’ve earned from a lifetime of working. Claim before your FRA and your benefit will be cut; claim after your FRA, up to age 70, and your benefit will be more (there’s no rule which mandates you claim at age 70, but waiting beyond that makes no sense because your benefit will no longer grow).  But full retirement age is, perhaps, the ideal point at which most should claim their benefit, absent any special circumstances which suggest otherwise. In this Motley Fool article, Christy Bieber makes the case for waiting until your full retirement age – somewhere between 66 and 67 – to apply for benefits. Click here to read more.

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