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 People are most likely to claim benefits at this age. Is that a smart decision? goodluz / Shutterstock.com

When should you file for Social Security? The right answer can be difficult to determine. As we have pointed out, in some cases, claiming early makes sense. In other situations, it pays to wait. The largest percentage of Americans have a clear age in mind, though: They start receiving benefits at age 62 — which for most people is the earliest opportunity — according to recent analysis by the…

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