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Understanding the Two Social Security “Do Over” Options

Many folks opt to begin drawing their earned Social Security benefits at the earliest possible age (62), and after the fact realize the long-term implications of accepting the reduced monthly benefit. Or, their financial circumstances change after beginning benefits causing their need for cash flow to diminish. In either event, there are two provisions to interrupt the benefit stream and take advantage of the growth in monthly payments offered by current law.’s James Royal, Ph.D., in a post on, explains these two options in detail and explains the differences between the two. Check out his post here.

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