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You never have to take Social Security. But increases in your entitlement for waiting, called 'delayed retirement credits,' stop at age 70. After that, it's simply 'use it or lose it,' every month.
Your entitlement can still go up after that, but only if you are still working and making good enough money.
Last edited by donquixote99; 03-11-2014 at 04:43 PM.
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