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you really want to understand when am I going to collect social social security if you collect Social Security at 62 or if you claim it at 62 youre only going to get 70 percent of your full retirement benefit if you wait to your full retirement agent for this couple at 67 youre going to get a hundred percent of your full retirement benefit and if you wait to 70. if youre an overachiever if you are a broccoli eater and you wait to 70 to claim your Social Security youll get 124 percent of your full retirement benefit