Millions of seniors rely on Social Securityto pay their living expenses in retirement. But one thing you need to realize about those benefits is that they're not set in stone. A calculation based on your earnings history will give you the full monthly benefit amount you're entitled to upon reaching full retirement age, which, depending on your year of birth, is either 66, 67, or somewhere in between at 66 and a certain number of months.
But you actually get an eight-year window to file for Social Security that spans the ages of 62 to 70, and the age at which you initially take benefits has an impact on your payments.3 Reasons It's Smart to Take Social Security Benefits at 62
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