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you can apply for social security at anytime after age 62, the only issue is that at age 66, you would not face an early penalty, or earnings limit,
if you take benefits at age 65 your penalty would be limited, compared to if you had taken it at age 62, at 62, a 30% penalty would have been given to you,
at 65, a 8% penalty would be given,
at 66 no early penalty,
You can file online through the social security website.
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