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Start
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That’s great!
How old are you?

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Delighted to hear it!
Are you already collecting monthly Social Security checks?

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Keep loving your job.

24%

Potential increase in annual retirement income if you delay retiring from age 62 to 65.

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Enjoy the perks of aging.

As long as you work for a company with 20 or more employees, your employer can't force you to switch to Medicare. And that could save you money:

$ 

Standard monthly premium for Medicare Part B

$ 

Average monthly worker contribution for health insurance (single coverage)

Get answers to 6 key Medicare questions.
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Deep down,
are you yearning
to go back to work?

Be honest.

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OK, then consider this.

Have you reached full retirement age (FRA) for Social Security? It’s based on when you were born:

1960 or later: 67

1955 to 1959: between 66 and 67

Before 1955: 66

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You might live a long time!

The average

65-year-old man

will live for another

  years

The average

65-year-old woman

will live for another

  years

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More money later!

Your job could help you wait until age 70 to claim Social Security – in which case here’s how much your benefit grows every year you hold out:

8%
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Glad that you know yourself!

Have you reached full retirement age (FRA) for Social Security? It’s based on the year you were born:

1960 or later: 67

1955 to 1959: between 66 and 67

Before 1955: 66

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OK, we hear you! Enjoy your long retirement.

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Here’s a thought:

Could a part-time job help you wait until age 70 to claim Social Security? If so, here’s how much your benefit grows every year you hold out:

8%
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OK, youngster!

Hold out as long as you can,
even if it means going back to work!

How much your benefit is reduced if you
claim at age 62 vs. your FRA:

Up to  %

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Beware the taxman!

If you’re toying with working again, keep in mind that with more income, more of your Social Security benefits may be taxed.

85%

Percent of Social Security benefits that
may potentially be taxed

Find the current income cutoffs at the Social Security Administration.
See ways to reduce taxes on Social Security benefits.
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This could hurt.

When you claim Social Security before your FRA and then go back to work, your benefits may be reduced.

$1

Benefit reduction for every $2 you earn over the annual limit.

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hourglass icon

Pretty long!

The average

65-year-old man

will live for another

  years

The average

65-year-old woman

will live for another

  years

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Yup, but one of them isn’t likely to come for a while:

The average

65-year-old man

will live for another

  years

The average

65-year-old woman

will live for another

  years

Enjoy your retirement!

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Nope!
Once you hit your FRA, you’ll get those lost benefits back in the form of a bigger Social Security check.