Social Security Benefits and Retirement Planning

Title: A New Beginning

Maria had worked hard for over 30 years at a local factory before retiring at 62. She knew Social Security would be her main income, but she wasn’t sure how much she’d get or when to claim it.

One day, she visited the Social Security office, where a friendly agent explained her options:

Early retirement (62): Smaller monthly payments.

Full retirement age (67 for her): Standard benefits.

Delayed (up to 70): Increased monthly payments.

Maria chose to wait until 67 to get her full benefit. She also learned about spousal benefits—her husband, who had earned less, could receive up to 50% of her benefit.

With careful planning, Maria secured a stable retirement, using her Social Security wisely to enjoy her golden years.

Moral: Understanding your benefits ensures a secure future. 💡

(Word count: ~150, simplified for clarity.)

Would you like a different focus (e.g., disability benefits, survivor benefits)?

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