OPINION: Increasing Social Security’s full retirement age is not just a question of “postponing” claiming. It would be a disaster for most Americans, columnist Alicia H. Munnell writes.
The American Academy of Actuaries — a group of usually sober and sensible people — recently issued a brief making the case for “Raising the Social Security Retirement Age.”
Just to be absolutely clear, increasing Social Security’s full retirement age is not just a question of “postponing” claiming; it is a benefit cut. Those who are able to delay retirement receive one less year of benefits. Those who cannot adjust their retirement behavior get lower benefits due to the increased actuarial adjustment — an adjustment made to keep lifetime benefits constant regardless of claiming age.
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