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 If you’re going to apply for Social Security anytime soon, learn from my recent experience. 

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If you’re one of the millions of Americans relying on Social Security, recent news about deepening staff cuts and office closures might have you worried. You’re right to be concerned. I’m within a few months of my 70th birthday. I recently received a notice from the Social Security Administration (SSA) that it was time to apply for benefits. (Waiting until age 70 to claim your benefits means a…

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