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Drawing of building blocks labeled with dollar signs and retirement ages designed by Chris Nicholls (Credit: Chris Nicholls)

When should individuals claim their Social Security income benefits? According to a recent report by the Bipartisan Policy Center, more than one-third of Americans still claim at age 62 and two thirds claim before their full retirement age (FRA).

Nearly a quarter of men claim at FRA, many without considering that by doing so they are making an active choice to receive less income than they could receive by claiming later. Others fail to consider the implications claiming may have on their spouse’s benefits.

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