Work for at Least 35 Years. Your benefits are based on your highest 35 years of earnings; working fewer years can significantly reduce your benefit. Consider extending your career to fill gaps and increase your benefit amount.
Delay Claiming Benefits. Claiming at 62 reduces your monthly benefit permanently. Waiting until full retirement age ensures you receive your full benefit amount for a more stable retirement income.
#social-security-benefits #retirement-planning #maximizing-benefits #full-retirement-age #work-history
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