You'll often hear that claiming Social Security at age 62 is a dangerous move. If you file for benefits before full retirement age (FRA), you'll slash them on a permanent basis. FRA doesn't kick in until 67 for those born in 1960 or later, and so if that's the category you fall into and you file for Social Security at 62, you'll be looking at a 30% reduction in your benefits -- for life.
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