[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-detail-192703-en":3,"doc-seo-192703-105":31,"detail-sidebar-cat-0-en-105":92},{"code":4,"msg":5,"data":6},0,"success",{"doc_id":7,"user_id":8,"nickname":9,"user_avatar":10,"doc_module":4,"category_id":11,"category_name":12,"doc_title":13,"doc_description":14,"doc_content":15,"file_id":16,"file_url":17,"file_type":18,"file_size":19,"view_count":20,"is_deleted":4,"is_public":21,"is_downloadable":21,"audit_status":21,"page_count":22,"language":23,"language_code":24,"site_id":25,"html_lang":24,"table_of_contents":26,"faqs":27,"seo_title":28,"seo_description":14,"update_tm":29,"read_time":30},192703,3848291630094,"Emma Wilson","https://eur-avatar.wpscdn.com/davatar_085a072bc5b1113ac321206ff7593b45",7,"Healthcare","Social Security - How to Navigate the Claiming Decision","Guidance focuses on deciding when to claim Social Security, framed through a “Dear Rusty” Q&A. It explains the Full Retirement Age concept, how benefit amounts change when claiming at 65 versus 66 or waiting until 67, and the impact of Delayed Retirement Credits up to 70. It also covers the Annual Earnings Test for people still working, including 2025 limits, plus a special early-benefits earnings rule, concluding with factors like needs, longevity, work plans, and marital status.","| DL&G TREE\u003Cbr>Tree\u003Cbr>Removal\u003Cbr>■ |  |  |\n| --- | --- | --- |\n| | Structural Pruning\u003Cbr>■\u003Cbr>Crane Service\u003Cbr>■\u003Cbr>Storm Damage\u003Cbr>■\u003Cbr>Stump Grinding | |\n| ■\u003Cbr>Lot\u003Cbr>Clearing\u003Cbr>Give us a call for your free estimate |  |  |\n| \u003Cbr>and tree evaluation\u003Cbr>413-478-4212\u003Cbr>DL&G TREE\u003Cbr>\u003Cbr>INSURED AND CERTIFIED |  |  |\n\n| New Owners |  |\n| --- | --- |\n| Units & Sizes Available:\u003Cbr>Climate Controlled 5x10/10x10 Regular Units 5x10/10x10/10x15/10x20/10x30\u003Cbr>| \u003Cbr>Climate Controlled Units Available\u003Cbr>Outside Parking Spaces Also Available for Boats, RVs, Trailers, Etc. |\n\n| ThankYou For Your Support! The Farmstand Is Closing Thursday, October 30th.\u003Cbr>See You\u003Cbr>In The Spring! | Dickinson Farms & Greenhouse\u003Cbr>Stock up on your favorite Dickinson Farms jarred products plus select sale items!\u003Cbr>Route 202, East State St., Granby OPEN: 413-467-3794 8am-6pm\u003Cbr>[www.dickinsonsfarm.com](www.dickinsonsfarm.com)\u003Cbr>Visit us on Facebook ~ Family Owned & Operated ~Most Major Credit Cards Accepted • Sorry No Checks • Gift Certificates Available |\n| --- | --- |\n\n| | |  |  |  |  |  |  |\n| --- | --- | --- | --- | --- | --- | --- | --- |\n| TRUNKOR TREAT\u003Cbr>Decorated trunks filled with candy! |  |  |  |  |  |  |  |\n| | Tuesday, October 28th  4:00pm-6:00pm\u003Cbr>games • Candy • music\u003Cbr>trick or treat indoors, too! |  |  |  |  |  | |\n| This is a FREE, family-friendly event . Don’t forget to wear your best Halloween costume!\u003Cbr>PHONE: 413-758-5377 [EMAIL:](EMAIL: mdembkowski@cedarbrookvillage.com)[ mdembkowski@cedarbrookvillage.com](EMAIL: mdembkowski@cedarbrookvillage.com) |  |  |  |  |  |  |  |\n| \u003Cbr>INDEPENDENT LIVING ASSISTED LIVING MEMORY CARE |  |  | |  | | |  |\n| 413-758-5377\u003Cbr>[CedarbrookVillage.com](CedarbrookVillage.com) |  | 73 South Street Ware, MA 01082 | | |  |  |  |\n|  |  |  | |  |  |  |  |\n\n\n| THE BEST FRESH FOR FALL FUN! |\n| --- |\n| Randall’s Pumpkin Decorating Contest |\n| October 25th & 26th\u003Cbr>CASH PRIZES BY CATEGORY\u003Cbr>Best, Funniest, Scariest & Most Creative Every Entrant\u003Cbr>Receives A Gift\u003Cbr>YOUTH & ADULT CLASSES\u003Cbr>All Entries Must Be\u003Cbr>Submitted By Saturday October 25th\u003Cbr>Sunday October 26th Vote For Your Favorites!\u003Cbr>|\n| \u003Cbr>\u003Cbr>Beautiful\u003Cbr>HARDY MUMSIn Fabulous Fall Colors |\n| LAST WEEKEND FOR FALL FUN WORKSHOPS!\u003Cbr>Outside In The Garden Center\u003Cbr>\u003Cbr>Saturdays, Sundays 11AM – 4PM\u003Cbr>SCARECROW MAKING WORKSHOP\u003Cbr>Make Your Own Life-Size Scarecrow\u003Cbr>We Provide All The Materials“Make It Here” Or Buy A Kit To MakeAt Home\u003Cbr>Pumpkin Decorating\u003Cbr>Workshop We Provide The Pumpkins & Decorations“Make It Here” Or Buy A Kit To Make At Home |\n| Pumpkins, Pumpkins, Specialty Pumpkins!\u003Cbr>\u003Cbr>GOURDS CORN STALKS INDIAN CORN STRAW BALES |\n| FLAVORS FOR YOUR FALL FESTIVITIES!\u003Cbr>APPLE CIDER DONUTS FRESH SWEET CIDER Fresh Baked Pumpkin Pies,\u003Cbr>Pumpkin Cake, Pumpkin Muffins & Pumpkin Beer\u003Cbr>|\n| LOCAL MAC & CORTLAND APPLES\u003Cbr>5 lb Tote Bags $5.99\u003Cbr>\u003Cbr>\u003Cbr>ALWAYS FRESH AT\u003Cbr>\u003Cbr>\u003Cbr>|\n|  |\n| 631 CENTER ST., Route 21, Mass Tpke Exit 54 LUDLOW • 589-7071 • [www.randallsfarm.net](www.randallsfarm.net)\u003Cbr>OPEN EVERY DAY 7AM – 8PM\u003Cbr>Find us on  and  |\n\n| \u003Cbr>NEED ADVICE on the Principles of Investing?\u003Cbr>How to manage risk and how to get optimal returns?“The effects and impacts of inflation over time” |\n| --- |\n| \u003Cbr>Thursday, November 13th, 2025\u003Cbr>5-5:30P.M.-Light Dinner\u003Cbr>5:30-6:00 P.M.– Presentation with Nick Pucel, President of Cold Spring Investments\u003Cbr>*Tour opportunities before and after the presentation\u003Cbr>R.S.V.P. by Thursday, November 6th to Lorna Stone @ 413-323-5500\u003Cbr>99 Front Street, Belchertown 01007  |\n\n| | |\n| --- | --- |\n| How doI navigate the Social Security maze? |  |\n| Dear Rusty:\u003Cbr>I am a woman, turning 65 this October (2025). It seems that deciding when to claim Social Security is complicated. I would like more information to navigate through this maze. Thank you.\u003Cbr>Signed: Ready to Claim\u003Cbr>Dear Ready:\u003Cbr>Deciding when to claim Social Security can be challenging, but we hope to make it a bit easier for you. Yo","cbCaidENxUX9Jl80","https://ap.wps.com/l/cbCaidENxUX9Jl80","pdf",4855958,3,1,14,"English","en",105,"# Social Security claiming decision\n## Full Retirement Age and benefit changes\n## Annual Earnings Test and special early rule\n## Factors to consider (needs, longevity, work, marital status)","[{\"question\":\"At what age is the Social Security Full Retirement Age, and what benefit does it affect?\",\"answer\":\"The document states that for someone born in 1960, Full Retirement Age is 67, when you can receive 100% of the Social Security benefit you earned.\"},{\"question\":\"How do monthly Social Security benefits change if you claim at 65 or 66 instead of 67?\",\"answer\":\"Claiming at 65 permanently reduces the monthly amount by about 13.3% versus age 67. Claiming at 66 reduces it by about 6.7%.\"},{\"question\":\"What is the Annual Earnings Test for someone collecting benefits while still working?\",\"answer\":\"If you are collecting before Full Retirement Age and still working, earnings are limited. The document notes a 2025 earnings limit of $23,400 and that benefits are reduced by $1 for every $2 over the limit.\"}]","Social Security - How to Navigate the Claiming Decision | PDF",1788418255,35,{"code":4,"msg":32,"data":33},"ok",{"site_id":25,"language":24,"slug":34,"title":13,"keywords":35,"description":14,"schema_data":36,"social_meta":87,"head_meta":89,"extra_data":91,"updated_unix":29},"social-security-how-to-navigate-the-claiming-decision","",{"@graph":37,"@context":86},[38,54,69],{"@type":39,"itemListElement":40},"BreadcrumbList",[41,45,49,51],{"item":42,"name":43,"@type":44,"position":21},"https://docshare.wps.com","Home","ListItem",{"item":46,"name":47,"@type":44,"position":48},"https://docshare.wps.com/document/","Document",2,{"item":50,"name":12,"@type":44,"position":20},"https://docshare.wps.com/document/healthcare/",{"item":52,"name":13,"@type":44,"position":53},"https://docshare.wps.com/document/social-security-how-to-navigate-the-claiming-decision/192703/",4,{"url":52,"name":13,"@type":55,"author":56,"headline":13,"publisher":58,"fileFormat":61,"inLanguage":24,"description":14,"dateModified":62,"datePublished":63,"encodingFormat":61,"isAccessibleForFree":64,"interactionStatistic":65},"DigitalDocument",{"name":9,"@type":57},"Person",{"url":42,"name":59,"@type":60},"DocShare","Organization","application/pdf","2026-09-05","2026-09-03",true,{"@type":66,"interactionType":67,"userInteractionCount":20},"InteractionCounter",{"@type":68},"ViewAction",{"@type":70,"mainEntity":71},"FAQPage",[72,78,82],{"name":73,"@type":74,"acceptedAnswer":75},"At what age is the Social Security Full Retirement Age, and what benefit does it affect?","Question",{"text":76,"@type":77},"The document states that for someone born in 1960, Full Retirement Age is 67, when you can receive 100% of the Social Security benefit you earned.","Answer",{"name":79,"@type":74,"acceptedAnswer":80},"How do monthly Social Security benefits change if you claim at 65 or 66 instead of 67?",{"text":81,"@type":77},"Claiming at 65 permanently reduces the monthly amount by about 13.3% versus age 67. Claiming at 66 reduces it by about 6.7%.",{"name":83,"@type":74,"acceptedAnswer":84},"What is the Annual Earnings Test for someone collecting benefits while still working?",{"text":85,"@type":77},"If you are collecting before Full Retirement Age and still working, earnings are limited. The document notes a 2025 earnings limit of $23,400 and that benefits are reduced by $1 for every $2 over the limit.","https://schema.org",{"og:url":52,"og:type":88,"og:title":13,"og:site_name":59,"og:description":14},"article",{"robots":90,"canonical":52},"index,follow",{"doc_id":7,"site_id":25},{"code":4,"msg":5,"data":93},[94,98,102,106,111,116,119,124,129,132,136],{"id":21,"doc_module":4,"doc_module_name":47,"category_name":95,"show_sort_weight":96,"slug":97},"Story & Novel",90,"story-novel",{"id":48,"doc_module":4,"doc_module_name":47,"category_name":99,"show_sort_weight":100,"slug":101},"Literature",80,"literature",{"id":53,"doc_module":4,"doc_module_name":47,"category_name":103,"show_sort_weight":104,"slug":105},"Exam",70,"exam",{"id":107,"doc_module":4,"doc_module_name":47,"category_name":108,"show_sort_weight":109,"slug":110},5,"Comic",60,"comic",{"id":112,"doc_module":4,"doc_module_name":47,"category_name":113,"show_sort_weight":114,"slug":115},6,"Technology",50,"technology",{"id":11,"doc_module":4,"doc_module_name":47,"category_name":12,"show_sort_weight":117,"slug":118},40,"healthcare",{"id":120,"doc_module":4,"doc_module_name":47,"category_name":121,"show_sort_weight":122,"slug":123},8,"Research & Report",30,"research-report",{"id":125,"doc_module":4,"doc_module_name":47,"category_name":126,"show_sort_weight":127,"slug":128},9,"Religion & Spirituality",20,"religion-spirituality",{"id":127,"doc_module":4,"doc_module_name":47,"category_name":130,"show_sort_weight":127,"slug":131},"World Cup","world-cup",{"id":133,"doc_module":4,"doc_module_name":47,"category_name":134,"show_sort_weight":133,"slug":135},10,"Lifestyle","lifestyle",{"id":137,"doc_module":4,"doc_module_name":47,"category_name":138,"show_sort_weight":107,"slug":139},19,"General","general"]