3 Signs You Shouldn't Claim Social Security at 62
Your Social Security benefits are based on your lifetime earnings -- specifically, your 35 highest-paid years on the job. But the age at which you file for benefits will dictate how much money you receive every month during retirement.
If you claim Social Security at full retirement age (FRA), you'll get the exact monthly benefit your earnings history entitles you to. FRA is either 66, 67, or somewhere in between those two ages, depending on the year you were born.
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Source Fool.com