Call it a one-year disconnect, but the reality remains: While 65 is the generally accepted benchmark for retirement in the United States, Social Security's full benefits still kick in a full year later, as they have since changes made in 1983.
And as a result, many retirees, whether they realize it or not, are short-changing themselves by drawing their Social Security benefits too soon, on their 65th birthday.
The nature of that arbitrary 65 figure – though it's widely being ignored as pre-retirees have conceded they'll probably have to work far beyond that age to gain any level of retirement security – has been examined by Boston College's Center for Retirement Research in a new study, "Sticky Ages: Why is Age 65 Still a Retirement Peak?"
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