Social Security: Adjustment for Early or Late Retirement | Money Education

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Delaying Social Security retirement benefits from age 62 to age 70 can increase the benefit by over 77%, even before considering increases due to the annual cost of living adjustment (COLA).

Beginning Social Security retirement benefits before full retirement while still working may result in reduced benefits.

Only the top 35 years of earnings history are counted in the calculation of Social Security retirement benefits.

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