How are benefits determined?
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If You Retire Earlyr  You can retire at any time between age 62 and full retirement age
did you start benefits early?
No I did not
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are there pros and cons?
There are advantages and disadvantages to taking your benefit before your full retirement age .   [The advantage is that you collect benefits for a longer period of time  The disadvantage is your benefit is reduced
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what if I start benefits early?
Your benefits will be reduced by a reduced a fraction of a percent for each month before your full retirement
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oh ok
No matter what your full retirement age also called " normal retirement age " is  you may start receiving benefits as early as age 62 or as late as age 70
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no thanks
 you may be eligible for delayed retirement credits that would increase your monthly benefit ;
