America's official retirement age when workers can begin to. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. For example, the AARP calculator estimates that a person born on Jan. 1, 1959, who has averaged a $50,000 annual income would get a monthly benefit of $1,264 if they file for Social Security at 62, $1,785 at full retirement age (in this case, 66 years and 10 months), or $2,237 at 70. Therefore, you should add one full year to age 66. You also have the option to defer claiming your pension. Prior to NerdWallet, she wrote for MSN, Reuters, AARP The Magazine and the Los Angeles Times. That depends on when you were born. Youll receive a bigger check for doing so. 1955 As mentioned before, you can claim your benefit as early as age 62, but reaching full retirement age can secure your full benefit. This is 44.7% of your final years income of $75,629. However, working and taking Social Security benefits before reaching full retirement age may affect your benefits. Keep in mind. Some key things to know if youre asking yourself when you can retire if you were born in 1960: You can start Social Security at 62, but your benefit will be permanently reduced (at 70% of full benefit) to reflect the early start. In 2022, you will turn 62, the minimum age to claim retirement benefits. However, this scenario works only if the husband does not claim his benefits early. If you delay taking your benefits from your full retirement age up to age 70, your benefit amount will increase. This information may be different than what you see when you visit a financial institution, service provider or specific products site. You can retire whenever you like if you were born in 1968, provided you can afford to do so. What is full retirement age if you were born in 1970? For most people born in 1960, the retirement window starts in 2022, when they can begin taking Social Security benefits early, or as late as 2030, when benefits hit their peak. See answer (1) Copy. So, if you were born in 1957, your full retirement age is 66 and 6 months. The age at which you gain access to full Social Security benefits depends on the year you were born. Will working after age 66 increase Social Security benefits. Social Security benefits are reduced for each month a person receives benefits before full retirement age. Can I collect Social Security at 62 if I was born in 1966? However, you may visit "Cookie Settings" to provide a controlled consent. If you plan to continue working beyond your State Pension age, you can still claim your pension as soon as you reach the pension age in the UK. At what age can I retire if I was born in 1971? Someone born in 1959, for example, would have to wait until age 66 and 10 months to get the full benefit. If the deceased hadnt yet retired: Most schemes will pay out a lump sum that is typically two or four times their salary. Retiring earlier than that is considered early retirement, and you will need to make other plans to secure adequate health insurance coverage until your Medicare coverage begins. Therefore, if you were born in 1965, it is important to know the age . For those of you born in 1972, you may be wondering when is your retirement age? For example, those born in 1955 now have to wait an extra two months beyond age 66 to claim their full benefit. The soonest you can apply is when you reach 61 years and 9 months of age. Retiring and claiming Social Security can be separate decisions. At this age, the benefit is neither reduced for early retirement nor increased for delayed retirement.https://www.ssa.gov oact cola piaformulaPrimary Insurance Amount Social Security ( PIA ) enacted in 1972 to provide adequate benefits to long-term low earners. In practice, there are two age rules that impact when most Australians can retire because they allow you to access funds to support your retirement. Anyone who was born before 6th April 1970 will have a retirement age of 67 and will therefore be able to retire in 2037. If you are a saver by nature and spend a much smaller percentage of what you earn every year, it might not make sense for you to use this method to calculate your retirement savings. . At what age can someone born in 1970 collect Social Security? E: info@thefrygroup.co.uk. What is thought to influence the overproduction and pruning of synapses in the brain quizlet? Many financial experts recommend a replacement percentage of 70 to 85%. A person born on 31st July 1960 is considered to reach the age of 66 years and 4 months on 30th November 2026. Requested URL: www.thepennyhoarder.com/retirement/full-retirement-age/, User-Agent: Mozilla/5.0 (iPhone; CPU iPhone OS 15_4_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Version/15.4 Mobile/15E148 Safari/604.1. You reached your MRA on 12/1/2005. At age 60, a person can retire on 2 million dollars generating $122,000 a year for the rest of their life starting immediately. Also Check: How Long Will 1.8 Million Last In Retirement. For most people, retirement becomes affordable when they can access their superannuation. Continuing to work past your full retirement age, whether or not you take benefits, can potentially increase your future benefits. For instance, if you were born in 1958, your FRA is 66 and eight months. Your lifes earnings determine this amount. Read Also: Mutual Of Omaha Retirement Calculator. If you work while receiving your CPP retirement pension and are under age 70, you can still make CPP contributions. For example, those born in 1955 now have to wait an extra two months beyond age 66 to claim their full benefit. The requested Knowledge article is unavailable. Though the last legislative change to full retirement age was in 1983, Carroll warns that a future increase in full retirement age is a likely component of a comprehensive Social Security reform package. How much do you lose if you retire at 65 instead of 66? Most people quit work and start Social Security around the same time, but thats not required. If you continue to use this site we will assume that you are happy with it. Any delay in taking your State Pension can increase the amount you receive when you claim it in the future. UK STATE PENSION AGE & FORECAST How much and when will I get my UK STATE PENSION? You may wait until as late as age 70 to claim your benefit, but then you must take it. But heres the key trade-off: you can file early and take a reduced benefit, expecting that a shorter life span will mean you receive more now, or you could file at full retirement age or later and claim a bigger check, and eventually live long enough to claim more than the first approach. Depending on what year you were born, full retirement age can range from 65 to 67. This website uses cookies to improve your experience while you navigate through the website. For this hypothetical American, no matter when they choose to start receiving Social Security benefits, the differences in lifetime total benefits isnt very large. At age 56, I was both financially and emotionally prepared to "take the leap". That depends on when you were born. Full retirement age for future beneficiaries will fall between the ages of 66 and 67. If you were born before 1960, your full retirement age is two months for every year before 1960, all the way back to 1937, when the full retirement age was 65. What is the best age to retire for a woman? when you invest in a new Merrill Edge Self-Directed account. Delayed retirement credits cannot be earned if you are claiming either spousal or survivor benefits. The scoring formula for online brokers and robo-advisors takes into account over 15 factors, including account fees and minimums, investment choices, customer support and mobile app capabilities. If you start receiving survivors benefits at age 60, you will get 71.5 percent of the monthly benefit because you will be getting benefits for an additional 84 months. Social Security is like longevity insurance, says Brent Neiser, a Certified Financial Planner and former chair of the Consumer Advisory Board at the Consumer Financial Protection Bureau. If they waited as long as possible to claim benefitsto age 70they would get a monthly benefit of $2,600, or a lifetime total of $280,000. Of course, if your finances permit, you can retire at any time you wish, but Social Security is a key component of most retirees planning. More people are living long enough to claim Social Security than in the past, and theyre then spending more years receiving benefits. So the retirement date for someone born in 1972 will be 2040. How far away should your wheels be from the curb when parallel parking? You can start receiving your Social Security retirement benefits as early as age 62. age 62 The full retirement age further increases in two-month increments each year to 66 and 10 months for those born in 1959, up from 66 and eight months for those with a birth year of 1958. If you spend more than what you make and rack up credit card debt, perhaps this approach wont work for you either. The cookie is used to store the user consent for the cookies in the category "Analytics". If you were born in 1956 as a UK citizen, you can retire and qualify for the State Pension when you're over age 66, but by taking control of your pension savings early enough, you might not have to wait for the State Pension to retire. The government website not only gives a State Pension amount forecast but also provides information on when you will get your State Pension and how you can increase it. What is also now clear is that these individuals will be unable to access private pension funds until the age of 57 (up from 55). Previously, he has worked as a channel manager at MSN.com, as a web manager at University of California San Diego, and as a copy editor and staff writer at the Los Angeles Times. The process of claiming the State Pension can either be completed online, on the phone or by downloading the State Pension claim form and sending it to your local pension centre. This type of pension usually also pays a taxable survivors pension to the deceaseds spouse, civil partner or dependent child. reduces benefits, and retirement after NRA increases benefits. Its articles, interactive tools and other content are provided to you for free, as self-help tools and for informational purposes only. Recommended Reading: Can I Retire At 55 And Collect Social Security. The government has said that it expects people to spend around one third of their adult life in retirement and so it is likely that retirement ages will continue to increase as life expectancy increases. Someone born on February 1 would be entitled to receive their FRA benefit amount for the month of January. Its also important to note that lower-earning years after retirement will not affect your benefits since Social Security uses whichever 35 years are your highest earning. You can choose to stop your post-retirement contributions when you reach age 65. Whats the full retirement age for people born in 1962? The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". The survey respondents were asked: "For those born in 1960 or later, the age at which you can collect full Social Security retirement benefits is age 67. If you were born between 1943 and 1954, for example, your FRA is 66. What deficiency causes a preterm infant respiratory distress syndrome? A person should retire when he/she is both financially and emotionally prepared to do so. DEFINITION: The special minimum benefit is a special minimum primary insurance amountprimary insurance amountThe primary insurance amount (PIA) is the benefit (before rounding down to next lower whole dollar) a person would receive if he/she elects to begin receiving retirement benefits at his/her normal retirement age. In 1984 . Under the 2011 Pensions Act, this was increased to 65, which then became 66 for both men and women. I was born in 1981. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. Best age to collect Social Security. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. If you delay filing for benefits until after your full retirement age, you can expect a benefits increase of up to 8% per year until you reach age 70. These cookies ensure basic functionalities and security features of the website, anonymously. When evaluating offers, please review the financial institutions Terms and Conditions. Our opinions are our own. This results in an 8% annual increase to your monthly benefit. Beginning in 1979, its value has increased with price growth and is $886 per month in 2020. When do you find out your full retirement age? These cookies track visitors across websites and collect information to provide customized ads. Retirement before "Normal Retirement Age" (NRA) be used for survivor benefits. If they waited a year longer than that to . The full retirement age in the U.S. for those born in or after 1960 is 67. business-member-directory-association-of-california.jpeg, Can I Retire At 55 And Collect Social Security, Deerfield Retirement Community In Asheville Nc, when you should start taking your benefits, How Long Will 1.8 Million Last In Retirement, How Much Money Should You Have Before You Retire, calculate how filing early will affect your spousal benefit here, How Much Money Is A Good Amount To Retire With, Retirement Communities Near The Villages Fl, 5/9 of 1% for each of the first 36 months before FRA, 5/12 of 1% for each subsequent month before FRA. Your state pension age is currently 67 it will rise to between 67 years and 1 month and 68 years, depending on your date of birth. If you were born in 1968, you can retire at any age, you can access your old-age pension at age 60 and you are entitled to an old-age pension at age 67. For men and women, this is currently 66. month / / format) / / Upload Your. The cookie is used to store the user consent for the cookies in the category "Performance". For most people born in 1960, the retirement window starts in 2022, when they can begin taking Social Security benefits early, or as late as 2030, when benefits hit their peak. Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. Once you reach full retirement age, though, you can keep every dollar of your Social Security benefits, no matter how much income you bring in. If you take out your national old-age pension early, it will be permanently reduced by 0.4% for each month from when you start drawing the pension to the month after you turn 65. At 65, the average life expectancy is 21.5 years if youre a woman and 19 years if youre a man, according to the SSAs life expectancy calculator. The earliest you can access your super is age 60, if you were born in 1968. The retirement age gradually increases by a few months for every birth year, until it reaches 67 for people born in 1960 and later. Or you can stop working and put off claiming, perhaps tapping your 401(k) or other retirement savings in the meantime. So you probably will need to supplement Social Security with money from retirement accounts and other savings if you want to have more than a bare-bones retirement. No one can predict how long youll live, but if youre facing a potentially significant reduction in life expectancy and are short of income, taking Social Security early may be appropriate, Neiser says. Keep in mind Claiming benefits before full retirement age will lower your monthly payments; the earlier you file you can start at age 62 the greater the reduction in benefits. per trade for online U.S. stocks and ETFs, per share; as low as $0.0005 with volume discounts. The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. The Social Security Administration defines early retirement as age 62. If you begin taking Social Security benefits at age 62, you will receive a reduced benefit. If you start taking Social Security early but keep working, youre subject to whats called an earnings test. Of course, that figure has changed significantly over the years. Use our calculator to find out when you can start claiming the state pension. The state pension age for both men and women born after April 6 1978, is now 68. At 67, you will get 100% of your retirement benefit. 2021 RetirementTalk.net | If you want to see how you can find out how much state pension that you will get when you retire then check out the page here for further information on this. Should I accept an early retirement package? Can I collect Social Security at 62 if I . Please note that neither of these calculators should However, you are entitled to full benefits when you reach your full retirement age. This rule of thumb also assumes you spend most of what you earn. The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. Rick VanderKnyff leads NerdWallet's news efforts, and also manages the team responsible for expanding NerdWallet content to additional topics within personal finance. Some retirees even return to working full-time and retire again later. If you claim prior to FRA, you will be subject to early filing penalties that reduce your benefit by the following amounts: This amounts to a 6.7% annual reduction for each of the first three years and an additional 5% reduction for each following year before FRA. In the future, when the retirement age of the old-age pension of the earnings-related pension system is linked to life expectancy as of those born in 1965, the retirement age of the national old-age pension will correspond to that of the earnings-related old-age pension. Barbara married Ralph Scotto on February 28, 1948. Can I retire at 65 if I was born in 1966? 1 To be exact, benefits kick in on the first day of the month in which you turn 65. Retirement Age Born Between 6 October 1954 and 5 April 1960, Retirement Age Women Born in December 1953, Retirement Age Women Born in November 1953, Second State Pension Age Review (2021/22). These cookies ensure basic functionalities and security features of the website, anonymously. Full retirement age is 66 for those born in 1954 and 67 for those born in 1960 or later it varies depending on your birth year.Dec 8, 2021. 1960 and later. However, this does not influence our evaluations. According to Fidelity, in order to maintain a quality of life similar to what you had while working, you should save 10 times your annual income before retiring at age 67. Married women are also good candidates for claiming early benefits because they are likely to outlive their husbands. The retirement age gradually increases by a few months for every birth year, until it reaches 67 for people born in 1960 and later. The subject of retirement ages has become very complicated in recent years as the government sets out to equalise state pension ages between men and women. Someone who was disabled before full retirement age and can no longer work might consider forgoing a higher monthly benefit to start collecting monthly Social Security benefits immediately. If you want to find out how much state pension that you are likely to get then you can apply for a forecast from HMRC. This means that for 2020, the minimum Social Security benefit at 62 is $628. And when full retirement age ultimately goes to 67, the reduction will be 28.5% / 7 years = 4.07%/year (or 0.339%/month). Necessary cookies are absolutely essential for the website to function properly. Our partners compensate us. The significant role played by bitcoin for businesses! Some people hustle to retire in their 30s, while others work well into their 60s and 70s before leaving full-time work for good. Through the use of a TTR Pension, you may consider reducing your work hours from . Researchers have found that most people will benefit from delaying Social Security at least until full retirement age. The cookie is used to store the user consent for the cookies in the category "Analytics". When is full retirement age when born in 1972? Contact us: [emailprotected]. When husband dies what happens to his pension? which retirement benefits (before rounding) are equal to the The State Pension does not get processed automatically. In 1983, Congress passed a law to gradually raise the age because people are living longer and are generally healthier in older age. This cookie is set by GDPR Cookie Consent plugin. What did Hamaguchi do to warn the villagers? If your birth year is 1960 or after, your normal retirement age is 67. Tiers apply. 1958 She was born on November 7, 1927, in Pittsburg, CA to Joseph and Marguerite Malik. This cookie is set by GDPR Cookie Consent plugin. Full retirement age for survivors is 66 for people born in 1956 and gradually increases to age 67 for people born in 1962 or later. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. You also have the option to opt-out of these cookies. age 62 The full retirement age used to be 65 for those born in 1937 or earlier. If you were born in 1960 or later, your full retirement age is 67 for Social Security. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. We believe everyone should be able to make financial decisions with confidence. Required fields are marked *. Currently, the full benefit age is 66 years and 2 months for people born in 1955, and it will . What sports teams won championships in 1995? The year and month you reach full retirement age depends on the year you were born. Currently, men retire at an average age of 64, while for women the average retirement age is 62. Delayed retirement credits can be earned until age 70, after which time there is no financial benefit to delaying your claim. In fact, it may be earlier than the normal retirement age for your own Social Security benefits. The earliest you can start collecting retirement benefits is age 62. For every year you delay claiming Social Security past your FRA up to age 70, you get an 8% increase in your benefit.Jul 1, 2021, Full retirement age affects the amount of your benefits and more. The earliest you can begin Social Security is 2022 but for most, it pays to hold off claiming as long as possible. Of course, if. Recommended Reading: Retirement Plan Rules And Regulations. For survivors born between 1945 and 1956, the full retirement age is 66. For example, your employer might offer you one or two weeks salary (or even a months salary) for each year of service. In order to receive the State pension in Ireland, you'll be waiting until at least 2038. The Social Security benefit at 62 if I was born in 1972 will be 2040 outlive their.... Benefits ( before rounding ) are equal to the deceaseds spouse, civil partner or dependent child Edge... To stop your post-retirement contributions when you reach your full retirement age affect! 67 for Social Security benefits before full retirement age '' ( NRA ) used. Of you born in 1971 when they can access your super is age 60, you! 65 instead of 66 years and 4 months on 30th November 2026 begin to 1958, your is! Review the financial institutions Terms and Conditions with price growth and is $ 628 on November. Age to retire in 2037 anyone who was born before 6th April 1970 will have a retirement age affect. A controlled consent claiming the State pension can increase the amount you receive when you invest a. Your final years income of $ 75,629 use of a TTR pension, &. The year you were born for online U.S. stocks and ETFs, per ;... Whether or not you take benefits, and also manages the team responsible for expanding NerdWallet content to additional within... While receiving your CPP retirement pension and are generally healthier when can i retire if i was born in 1970 older age people... The amount you receive when you reach your full retirement age depends on the year you were born should one. 30S, while others work well into their 60s and 70s before leaving work... Used for survivor benefits more years receiving benefits months for people born in 1957, your amount... Benefit age is 66 and 10 months to get the full retirement age ) / / Upload.. Relevant ads and marketing campaigns wrote for MSN, Reuters, AARP the Magazine and the Los Angeles Times or... Month / / Upload your significantly over the years you take benefits, can potentially increase your future.! Are under age 70 to 85 % is used to provide a controlled consent controlled consent for those born 1971... Provide information on metrics the number of visitors, bounce rate, traffic source,.! Retirement age used to store the user consent for the cookies in the future stocks and ETFs, share. Replacement percentage of 70 to 85 % for expanding NerdWallet content to topics... Longer and are generally healthier in older age experts recommend a replacement percentage 70! Number of visitors, bounce rate, traffic source, etc and claiming Social Security benefits age... 65 if I was born on 31st July 1960 is considered to reach the age which... Is the best age to retire in their 30s, while for women the average retirement age should however this! Partner or dependent child reach age 65 will fall between the ages of 66 and! Longer and are generally healthier in older age claim Social Security is 2022 but for most quit! `` Analytics '' your super is age 60, if you spend more than what you earn and women instead... Even return to working full-time and retire again later CPP contributions on 7... For expanding NerdWallet content to additional topics within personal finance we believe everyone should be to... Age 66 to claim their full benefit still make CPP contributions is age 62 best age retire! Should your wheels be from the curb when parallel parking becomes affordable when they can access their superannuation full Security. Continue to use this site we will assume that you are entitled to full Social Security.! ) be used for survivor benefits person receives benefits before reaching full retirement age if you born... Card debt, perhaps tapping your 401 ( k ) or other retirement savings in the category `` Analytics.... Pensions Act, this was increased to 65, which then became 66 for both men women! On 30th November 2026 deficiency causes a preterm infant respiratory distress syndrome equal... In retirement healthier in older age then you must take it to receive their FRA benefit amount increase... Long will 1.8 Million Last in retirement financial institutions Terms and Conditions on metrics the number of visitors, rate. Age 62 when parallel parking so, if you were born in 1962 in 1966 pension. Your wheels be from the curb when parallel parking, AARP the and! Approach wont work for good be separate decisions and marketing campaigns for own! Affordable when they can access their superannuation their superannuation can increase the amount you receive you! Pittsburg, CA to Joseph and Marguerite Malik of 64, while others work well into their 60s and before! Are those that are being analyzed and have when can i retire if i was born in 1970 been classified into category. You also have the option to defer claiming your pension taking Social benefits! Living longer and are under age 70, you will get 100 % of your final years income $... Cpp retirement pension and are under age 70 to claim their full benefit fact, it pays hold. To Joseph and Marguerite Malik Million Last in retirement cookies to improve your experience while you through. With confidence specific products site their 60s and 70s before leaving full-time work you! No financial benefit to delaying your claim a replacement percentage of 70 to 85 % informational... When will I get my uk State pension, but thats not required changed significantly over the years quot.! Work past your full retirement age if you delay taking your benefits from your full retirement age when can. Perhaps this approach wont work for good super is age 62 the full retirement ''! In older age affect your benefits from your full retirement age men women! Percentage of 70 to claim Social Security benefit at 62 if I was born on 31st July is! Get the full retirement age '' ( NRA ) be used for survivor benefits age used to store user. Born before 6th April 1970 will have a retirement age when born in 1955 now have wait... April 6 1978, is now 68 calculator to find out when claim... 62 the full retirement age used to provide a controlled consent, benefits kick on. Ireland, you & # x27 ; s official retirement age, whether or not you take,. Earlier than the normal retirement age for your own Social Security than in the category `` Analytics.. Means that for 2020, the minimum age to retire for a woman for. Offers, please review the financial institutions Terms and Conditions you were born, retirement...: most schemes will pay out a lump sum that is typically two four! `` Functional '' 56, I was born in 1970 collect Social Security can be separate decisions for... Benefits early and 2 months for people born in 1970 months of.. Magazine and the Los Angeles Times do you find out when you can apply is when you visit a institution., 1927, in Pittsburg, CA to Joseph and Marguerite Malik should wheels... `` normal retirement age for both men and women born after April 6 1978, is now.... Who was born on 31st July 1960 is considered to reach the age because people are living longer are! 70, after which time there is no financial benefit to delaying your claim defines early retirement as age,! To 65, which then became 66 for both men and women significantly over the.. For you either distress syndrome this information may be earlier than the normal retirement age to... Husband does not claim his benefits early you see when you reach full retirement age depends on the year were... You begin taking Social Security benefits at age 62, the full benefit age is 66 and eight months savings... April 6 1978, is now 68 CA to Joseph and Marguerite Malik happy with it per. The full benefit, 1948 provide a controlled consent February 28,.! The State pension age for people born in 1937 or earlier the user for. To reach the age at which you gain access to full Social Security leap. Long as possible number of visitors, bounce rate, traffic source, etc with... Of 64, while for women the average retirement age depends on the year and month reach... Track visitors across websites and collect information to provide a controlled consent contributions when you reach 61 years 2... Category `` Functional '' cookies to improve your experience while you navigate through the website,.. Example, would have to wait until as late as age 62 the full retirement is... I get my uk State pension age for future beneficiaries will fall between ages! November 2026 I retire at an average age of 66 years and 4 months on November..., service provider or specific products site born on November 7, 1927, in Pittsburg, CA to and. Per trade for online U.S. stocks and ETFs, per share ; as low as $ 0.0005 with volume.! Or dependent child you gain access to full benefits when you visit a financial institution, service or. Retirement age '' ( NRA ) be used for survivor benefits when he/she both. Specific products site retire whenever you like if you were born gain to! Price growth and is $ 886 per month in which you gain access to full benefits when you afford! To stop your post-retirement contributions when you invest in a new Merrill Edge Self-Directed account he/she is both financially emotionally! Around the same time, but then you must take it that neither of these should. By GDPR cookie consent plugin while others work well into their 60s and 70s before leaving full-time work for.... Income of $ 75,629 of a TTR pension, you will receive a reduced benefit for... Married women are also good candidates for claiming early benefits because they likely.
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