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Hi BruceCM,

"One other factor that must be taken into account is the potential penalty to the SS benefit if you continue to work and make up the amount that will then reduce your SS benefit."

But at FRA, the benefit will be adjusted for the additional wages earned plus an adjustment to PIA for the benefits not paid.

But it will not change the basic reduction of benefits for an early filing.

Does that help you?

Gene
All holdings and some statistics on my Fool profile page
http://my.fool.com/profile/gdett2/info.aspx
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