This paper discusses the issues facing a spouse who is trying to decide whether or not to receive Social Security retirement benefits early. It also discusses this same issue for a survivor who will be receiving Social Security benefits based on a deceased spouse"s earning record.
Another paper, titled Electing Normal Retirement Social Security Benefits Versus Electing Early Retirement Social Security Benefits, discusses the financial implications for a worker if he/she elects early retirement Social Security benefits at a reduced level instead of full Social Security benefits at the normal retirement age.
For additional related reading, go to Choosing Early or Normal-Age Social Security Benefits: Factors to Consider, an article published in the Journal of Retirement Planning that summarizes the two studies.
