Know When to Use Retirement, Disability BenefitsCreators, Tom Margenau
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The full retirement age to receive Social Security is 67 for people born in 1960 or later. That’s when you’re entitled to 100% of your Social Security benefits. You can choose to start receiving permanently reduced benefits at a younger age, or you can defer past age 67 to increase yo...
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Once you reach full retirement age, the delayed benefits start accruing at the beginning of your birth month. For example, if you were born on February 18, you'd reach your full retirement age on February 1. If you wait until April to take your benefits, you'll get 101.4% of your ful...
If you claim the divorced spouse benefit at your full retirement age, you’d get 50% of that: $836.50. But if you apply at age 62 instead, you’ll get a permanently reduced amount—roughly 30% less, or about $585 in this example. Unlike your own Social Security retirement benefits, ...
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However, if you work for the same employer from whom you are collecting a pension, they may have specific rules around how you can collect these payments in retirement: Full pension payments while working:Some retirement plans let you start collecting a full pension at the retirement age defined...
For many, the upper 60s is the golden mean of retirement timing—you're old enough to have built up a nice financial reserve and young enough to enjoy your job-free years. The fact that you'll get your full Social Security payment at age 66 to 67 can make a huge difference, especiall...