The rules governing the claiming of Social Security benefits are outdated and fail to accommodate the modern labor market. Today, U.S. workers are increasingly embracing the concept of phased retirement, whereby they gradually decrease their working hours before moving into full retirement. Yet these workers are forced by current law to make an “all-or-nothing” choice in claiming Social Security benefits. A more flexible system can better support older workers who want to gradually transition into retirement. Allowing workers to claim only half of their Social Security benefits at any time between ages 62 and 67 will be a major boost to those workers who want to keep working part-tim
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