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And those who delayed taking SS until FRA or age 70 are getting the 5.9% on a larger amount.

It doesn't work that way.

ALL SS benefit amounts are moved up by the same percentage. Doesn't matter if you are taking SS or deferring it.



Right. People who deferred are getting the 5.9% on the larger amount they received thanks to waiting, and those who took SS early are getting 5.9% on the smaller amount. So, just what I said, I think.
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