There is no safe form of tobacco. At least 28 chemicals in smokeless tobacco have been found to cause cancer (1). The most harmful chemicals in smokeless tobacco are tobacco-specific nitrosamines, which are formed during the growing, curing, fermenting, and aging of tobacco. The level of tobacco-specific nitrosamines varies by product.
For example, if you were born in 1943 or later, your benefit will increase 8 percent for each year that you delay receiving benefits, up until age 70. In addition, working past your full retirement age has another benefit: It allows you to add years of earnings to your Social Security record.
Waiting until after 70 does not increase your monthly benefit. [Read: When You Should Take Social Security.] Hereâs one scenario: Someone born between 1943 and 1954 who would receive $1,000 a month at her normal retirement age of 66 would receive $750 a month at 62 and $1,350 a month at 70. You can calculate your own benefit numbers at socialsecurity.gov if you create an account.