3 Things That Should NOT Make You Take Social Security Benefits at 62

You think your benefits will go back up once you reach full retirement age

Many people think that if they file for Social Security before full retirement age, the reduction they face will only be temporary, and that their benefits will be restored to their full amount once FRA kicks in. Not so. Unless you undo your application for benefits within a year of filing and pay back every dollar you collect, the monthly payments you start receiving at 62 will be what you get for life. So if your plan is to take a hit on benefits for a few years and then enjoy a higher monthly payout later on, that strategy, unfortunately, won’t fly.

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