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Claiming Social Security retirement benefits? Don’t let these myths trip you up

For most Americans, deciding when to claim Social Security retirement benefits will be one of the biggest financial decisions they ever make.

But the difference between the right or wrong decision can be costly.

The typical beneficiary age 65 and up relies on Social Security for half of their income.

But if a worker claims before their full retirement age — typically age 66 or 67, depending on the year in which they were born — their benefits will be permanently reduced.

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