Your talking early retirement, right? Three to four months before your 62nd. birthday is the time to apply.. It will take approx 60 to 90 days for the filing process to be approved.. You will be told what you must bring to the first appointment (which could be two to four weeks).. You realize that you will not get the 100% amount that you would receive at 65/66 don't you? By filing early you will get approx 65% (more or less) but you will be paid for 4 to 5 years earlier and totalling that up, it would take around eight to ten years to make that amount up at full retirement, so filing early is a smart move on your part. AND you will have 25,000.00 to play with each year to work and not have to pay taxes on your funds.. This means, if you receive 10,000.00 in s.s. checks a year then you can work at another job and make up to 15,000.00 a year tax free.
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