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Subject:  Re: What age to take SS payments? Date:  12/8/2013  6:16 PM
Author:  Rayvt Number:  73919 of 78661

Ray I will say it again you are misleading people. While you do CYA by saying SS in not clear about COLAs on the initial amount if one delays benefits after age 62 - those COLAs are present and real.

So why not run your spread sheet either without any COLA or apply them