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Deciding when to retire and claim Social Security benefits can be one of the most important financial decisions older Americans make. Despite higher monthly benefits for those who delay, many people still claim Social Security retirement benefits at age 62, the earliest age of eligibility. In 2014, these early claimers will see their monthly benefits reduced by 25 percent compared to what they would have received if they had delayed claiming until age 66, the current full retirement age. At the same time, some early claimers do not have access to government or employer-sponsored health insuran
Social security --- Retirement --- Early retirement --- Retirement income
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The aging society and threatening old-age poverty are two major political topics in Germany for the next decades. Many modern employment biographies consist of atypical employment and discontinuities; both negatively impact the pension entitlements of the individuals. This work develops an inninnovative approach that offers flexibility to absorb demographic changes as well as labor market developments, without threatening the financial stability of the public pension scheme.
demographischer Wandel --- Frühverrentung --- Deutsche Rentenversicherung --- Arbeitsanreize --- work incentives --- German Pension Scheme --- demographic change --- Early retirement --- Rentenalter --- retirement age
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Early retirement --- Old age pensions --- Préretraite --- Pensions de vieillesse --- Law and legislation --- Droit --- 368.43 --- 332.832 --- Ouderdomsverzekering. Voorbarige dood. Weduwen en wezen. --- Pensioen. Brugpensioen. --- Préretraite --- Ouderdomsverzekering. Voorbarige dood. Weduwen en wezen --- Pensioen. Brugpensioen
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