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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.
When should you apply for Social Security? Retirement planning is complicated, beginning with the decision about when to begin taking your Social Security benefits. On one hand, if you need the money and donât expect to live into your 80s, it is tempting to take Social Security as early as possible â at age 62 â to benefit from the income stream. On the other hand, you can increase your monthly payment considerably by waiting until age 70.