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 The sooner you claim Social Security retirement benefits, the more you — and perhaps your spouse — stand to lose. Here are the stakes. pixelheadphoto digitalskillet / Shutterstock.com

Some people believe in starting to collect Social Security as early as possible, which is generally at age 62. “Live while it is yet possible to live!” the early birds cry. “After all, I could die tomorrow, and then the government will keep my money.” What’s more likely is that you’ll live a lot longer than 62. According to the Social Security Administration (SSA), the average woman reaching the…

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