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3 good reasons to take Social Security benefits at 62



<p class = "canvas-atom canvas text Mb (1.0em) Mb (0) – sm Mt (0.8em) – sm" type = "text" content = "If you are a US worker who qualifies for social security, your birth year will determine what the program considers your " full retirement age " (FRA) ̵
1; the point at which you can apply for retirement benefits, and start collecting monthly checks fully at the level you have earned on the basis of the payroll contribution contribution . "data-response time =" 11 "> If you are a US employee who qualifies for social security benefits, the year of birth will determine what the program considers your" full retirement age "(FRA) – the point you can apply for retirement benefits and start collecting monthly checks at the full level you have earned on the basis of the lifetime of your payroll tax.

If you do not already collect social security, FRA will be between 66 and 67. But you are not obliged to follow the government's retirement age guideline. You can apply to start collecting your benefits as early as 62, or as late as 70 years. The downside to doing so early: less monthly checks. The upside of the delay: larger.

So when are you going to apply for social security schemes? Well, the age at which most people start collecting is 62, and despite the reduced benefit controls, it's still a smart move for many people. Here are three reasons why you may want to apply for 62 yourself.

Two large birthday candles appear, illuminated – one if number six and the other one 2, making 62.