Once you've reached the age of 62, you can take Social Security. You receive your standard benefit if you take Social Security at your Full Retirement Age (FRA), which depending on when you were born is 66, 67, or somewhere in between. If your life expectancy increases to age 80, you receive $324,000 in income from taking it at age 62, $336,000 if you take it at age 66, and $316,800 at age 70.
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