As you near retirement, when to claim your Social Security benefit is one of the biggest financial decisions you’ll need to make. Should you begin receiving your monthly benefit at your full retirement age — 66 to 67, depending on the year you were born? Should you begin receiving a smaller monthly benefit before your full retirement age, as early as age 62? Or, should you wait past full retirement age to receive a larger monthly benefit? You can delay receiving benefits up to age 70. There is no one size fits-all answer.
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