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How Can the Actuarial Reduction for Social Security Early Retirement Be Right? (PDF)
Center for Retirement Research [CRR] at Boston College 
July 2, 2004
Excerpt: On a lifetime basis, the late claimer now comes out ahead. The only way to restore balance at the new life expectancy is to have a smaller adjustment. But, in fact, the 5/9 reduction factor has remained constant. Why? The answer has to do with interest rates.
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