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AARP's Social Security Q&A Tool

Why does my benefit increase if I delay claiming past 62, the earliest age of eligibility?

Social Security works by the principle that over the course of a retirement, you should be paid the same total amount regardless of the age at which you start benefits. Monthly payment levels are calculated so that if you begin reduced benefits at 62, you will receive (based on average life expectancies) the same total amount as if you start at 70 or any age in between.

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