The Social Security program in the United States faces a looming financial crisis, with its trust fund projected to deplete by 2035. As Baby Boomers retire, the demographic imbalance threatens the program's sustainability,

According to the SSA, a beneficiary eager to cash in may see a reduction in payments as high as 30%, depending on when they began receiving benefits before the FRA

The traditional age of 65 has long symbolized the threshold for retirement and full Social Security benefits in the United States. However, this standard has officially shifted as