via:christiansciencemonitor

We understand retirees can start taking retirement benefits at age 62. We realize we’ll get a bigger monthly check if we wait a few years more until our normal retirement age to tap benefits. And who hasn’t heard thatSocial Security has a long-term financial problem that Congress needs to address?

“When you scratch beyond the surface, the knowledge really plummets,” said Jean Setzfand, vice president of financial security for AARP, which recently polled older adults on their Social Security knowledge. “I don’t blame people for not knowing and understanding the details. It can be really confusing.”

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