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Social Security column: Benefits based on 35 years of work

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Q: I expect to retire in two years at about age 65½. Will my SSA retirement amount be computed based on age 65 or age 66?

A: Neither. People can start SSA retirement as early as age 62 or as late as age 70 with the amount based on the age, month by month, that benefits start. No matter what your actual age at retirement, the SSA representative first determines your benefit amount as of your full retirement age (FRA).

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