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.
The earlier you start drawing Social Security, the smaller your monthly payment will be. If you start at 62, you will receive 25 percent less per month than you would at your full retirement age of 66 (if you were born between 1943 and 1954). For those born later, the reduction grows gradually to 30 percent. The retirement age is 67 for people born in 1960 or later. For those born between 1955 and 1959, a few months are added each year to bridge the gap from 66 to 67. If you can wait until youâre 70 to claim Social Security, your monthly payment will be 32 percent more. Waiting until after 70 does not increase your monthly benefit. [Read: When You Should Take Social Security .].