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Understanding the Use of a “Bridge Strategy” to Defer Social Security Benefits

Deferring Social Security benefits beyond full retirement age (FRA) is a classic way to ensure that you will be afforded the maximum inflation-protected benefits available to you. Through the application of Deferred Retirement Credits (DRCs) all the way to age 70 will add 24% to 32% to your calculated benefit, depending on your FRA, But can you afford to be without the monthly benefits available to you at FRA (or at age 62 if you file early)? If you can, the a “bridge strategy” might be for you. Check out this post on by Nick Fortuna for more information.

And, if you have any questions about how DRCs would work for you or how they affect your benefits, know that the AMAC Foundation offers a free-to-the-public service to address questions like this. Learn more about this service via the Foundation’s website.


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