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Virginia Dental Journal

Abstract

Most Americans rely on Social Security for retirement support, but many do not fully understand the implications of when to start receiving benefits. Claiming benefits early at age 62 can reduce the overall amount, while delaying can increase it by 8% annually. Factors like health, life expectancy, and income needs should be considered. Full retirement age is between 66 and 67 for most. Widows and divorced individuals may be eligible for additional benefits. Consulting with an advisor is recommended to optimize Social Security benefits.

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