Key factors to consider before starting benefits at 62, 67, or 70
- YOUR BENEFIT: How your benefit is calculated—and the factors that permanently increase or reduce your monthly payment
- EARNINGS TEST: Why your decision to take benefits may be affected if you are still working (and how other income affects your payments)
- SPECIAL SITUATIONS: What married couples, surviving spouses, divorced spouses, and certain federal employees need to know before claiming
- DECISIONS: The personal, financial, tax, and longevity factors to weigh—and what happens if you change your mind after filing
- Download Handouts
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