Social Security Questions? Ask a Social Security Expert
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If you can avoid her taking her SS at 62, it would be smarter to hold off. That is because when she takes early SS at 62, her benefit is reduced by 25%. Likewise, when she applies for her spousal benefit, her one half spousal benefit is then further reduced by 25% because she took early SS benefits at age 62. As such, the early benefits penalty follows her for life!
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