A mutation is a change that occurs in our DNA sequence, either due to mistakes when the DNA is copied or as the result of environmental factors such as UV light and cigarette smoke.
If you were born in 1929 or later, you need to work at least 10 years to become eligible for Social Security. The SSA determines eligibility with a system of credits. Basically, you earn up to four credits for every year worked, and you need a total of 40 credits to qualify for Social Security.
Many older Americans start collecting their checks too early. About two-thirds of Americans file for Social Security at age 62, according to Kisner. This is the earliest a person can begin collecting, and is several years before the cut-off for receiving full benefits, known as the full retirement age (FRA).