The Key Question: When to File?

As most people reaching age 60 are aware, their Social Security eligibility has all of a sudden become a near-term reality. So, do I file as early as possible, wait until my full retirement age (FRA) and avoid the reduction, or wait until age 70 and reap the benefits of delayed retirement credits (DRCs)? It’s a big decision, with pros and cons that need to take into consideration individual circumstances that go beyond the numbers. The Chicago Tribune’s Terry Savage takes a look at this decision and its implications in an article posted on, and offers suggestions on tools that can help.

You can access Ms. Savage’s article here…but first you might want to know that the AMAC Foundation provides a free-to-the-public service that can help you as you weigh the options available to you under Social Security’s current law. Read about this Advisory Service here…


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