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Under such a policy, individuals who would have become eligible for DI benefits at age 62 or later under current law would instead have to claim retirement benefits if they wanted to receive any Social Security benefits.
However, the penalty applies only to people between 62 and full retirement age. If you decide to wait until 66, you should apply to Social Security three months before your birthday. You can apply online, by phone (1-800-772-1213) or by going to a local Social Security office (call ahead for an appointment).