The Social Security Age Dilemma

You'll need to consider many factors when determining the age to start benefits.

EDITOR'S NOTE: This article was originally published in the December 2007 issue of Kiplinger's Retirement Report. To subscribe, click here.

To claim or not to claim Social Security -- that's the question facing nearly 80 million baby-boomers as the first wave of them turn 62 next year. To underscore the demographic milestone, the Social Security Administration staged a media event recently to witness the nation's oldest baby-boomer, Kathleen Casey-Kirschling, as she applied for her retirement benefits online three months before her 62nd birthday on January 1.

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Mary Beth Franklin
Former Senior Editor, Kiplinger's Personal Finance