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10 Social Security Mistakes to Avoid

U.S. News & World Report Logo By Emily Brandon of U.S. News & World Report | Slide 2 of 11: new caption

Not working for 35 years

The 35 years in which you earn the most are used to calculate your Social Security benefit. If you don’t work for at least 35 years, zeros are averaged into your benefit amount and result in lower payments.

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