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.
If your full retirement age is 65 and you start receiving Social Security benefits at age 62, your monthly benefit will be decreased by 20 percent, according to the SSA. If your full retirement age is 67 and you start collecting Social Security at 62, your monthly benefit will be reduced by approximately 30 percent.