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What Is the Best Age to Retire and the Best Age to Draw Social Security Benefits?
The Washington Post; subscription may be required 
Oct. 30, 2006
Excerpt: The way the system is designed, whenever you choose to draw benefits, the amount will be the same -- but only if you live to the average life expectancy for your age and gender. In other words, lower benefits times more years, normal benefits times normal years, and larger benefits times fewer years, add up to the same overall benefit.
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