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free application form from your local Social Security office.
For those thinking about retirement benefits, the amount you receive depends to a large extent on when you stop working. You can retire at age 62, but your benefits will be reduced permanently.
Sixty-five is the age to begin to receive full Social Security retirement benefits, but if you can continue to work beyond age 66, it could be to your advantage.
First, you can earn up to an annual limit that changes each year and still draw the same Social Security check as if you were completely retired. Then, if you earn over the limit, for every two dollars you earn, your retirement benefits will only be , reduced by one dollar - so you still come out ahead.
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