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Understanding the Implications of Filing Early

The majority of seniors aging into Social Security eligibility opt to begin drawing benefits before reaching their full retirement age (FRA). For some, it makes sense. For others, waiting would likely produce a gain in the amount of monthly benefit available, and perhaps a long-term gain in the amount of money drawn from the program. But how do you quantify the additional benefit? The Motley Fool’s Sean Williams, in a post on, addresses this question via a table documenting the math associated with this question. The table shows, year-by-year, the impact that beginning benefits at a point other than FRA will have on monthly benefits. Check his post out here…

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