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 Half of those nearing retirement might be clueless about a crucial Social Security rule. Are you among them? Krakenimages.com / Shutterstock.com

Somewhere between 25% and 50% of pre-retirees do not realize that working and collecting Social Security at the same time sometimes results in a reduction of benefits, according to a recent report. What is known as the “retirement earnings test” is “poorly understood by the public,” according to a report from the Social Security Advisory Board, an independent federal agency. In a nutshell…

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