Full retirement age varies by birth year and ... you can claim Social Security without reducing your benefits. It also impacts the amount of delayed retirement credits you can earn in order ...

The year you were born, how much you've worked, and the year you claim your benefits determine how much you receive, but very few will qualify for the maximum benefit.

Older Americans have relied heavily on Social Security ... 40 lifetime work credits needed to start earning the retiree payments. Workers can earn up to four credits each year.

One positive aspect of Social Security is that the program is set up to adapt to economic changes. Each year, for example, ...