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What You Should Know About Claiming SS Early or Later

The question “When should I claim Social Security” sits proudly atop the list of most frequently asked questions fielded by The AMAC Foundation’s Social Security Advisory service. It’s a common inquiry because so many people simply don’t understand how the Social Security program actually works when it comes to claiming benefits at, before or after full retirement age (FRA). FRA for those retiring today is somewhere between 66 and 67, depending on your year of birth, and the age at which you claim (relative to your FRA) plays a major role in determining the size of your benefit. But deciding which age to claim, based upon your unique personal circumstances, is key. The reality of your health and life expectancy plays heavily into deciding when to claim, as does the urgency of your need for money that Social Security can provide. A look into both of these unique factors is provided by this (WA) article by Diane Mtetwa. Click here to read more.

Also, if you’re unsure about your individual situation under Social Security or have questions about your personal benefit entitlements, note that the AMAC Foundation provides an independent free-to-the-public Social Security Advisory service to help Americans navigate the complexities of this program. Learn more about it here…

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