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Plan carefully when deciding at what age to start collecting Social Security benefits

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Q: I know the age for unreduced Social Security retirement is increasing. How do I find out what it is for me?

A: Legislation enacted in 1983 is gradually increasing full retirement age (FRA) from age 65 to age 67 based on year of birth. People can begin SSA retirement at age 62 but starting before FRA results in reduced benefits and starting benefits afterwards, as late as to age 70, results in higher benefits.

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