<br><div><aside class="gnt_em gnt_em__fp gnt_em_vp__tp gnt_em__el" aria-label="Video - When to start collecting Social Security checks"/><p class="gnt_ar_b_p">Claiming Social Security before full retirement age (FRA) has consequences – namely, that you'll get stuck with a lower monthly benefit for life. That's why some seniors expressly aim to wait until FRA to file for benefits to avoid that fate.</p><p class="gnt_ar_b_p">But what if you're forced into early retirement? You may have every intention of working into your late 60s or early 70s, only to find yourself out of a job by <a target="_blank" href="https://www.fool.com/investing/2022/06/20/the-no-1-reason-to-claim-social-security-at-age-62/?utm_source=usa-today&utm_medium=feed&utm_campaign=article&referring_guid=ec9d21c5-f6c2-4d93-95b0-4afcb8bb2e9a" rel="noopener" data-t-l=":b|e|inline click|${u}" class="gnt_ar_b_a">age 62</a>. At that point, you may feel you have no choice but to claim <a target="_blank" href="https://www.fool.com/retirement/social-security/?utm_source=usa-today&utm_medium=feed&utm_campaign=article&referring_guid=ec9d21c5-f6c2-4d93-95b0-4afcb8bb2e9a" rel="noopener" data-t-l=":b|e|inline click|${u}" class="gnt_ar_b_a">Social Security</a> in order to pay your bills and avoid depleting your nest egg.</p><p class="gnt_ar_b_p">Actually, you may have some options for holding off on Social Security even once your job-related paycheck is yanked away ahead of schedule. Here are some worth looking at.</p><aside aria-label="advertisement" class="gnt_m gnt_x gnt_x__lbl gnt_x__al"/><p class="gnt_ar_b_p"><strong>Explaining Social Security, TLDR edition: </strong><a target="_blank" href="/story/money/columnist/2021/11/05/social-security-8-things-you-need-to-know/6267089001/" rel="noopener" data-t-l=":b|e|inline click|${u}" class="gnt_ar_b_a">The 8 things you should learn about your benefits</a></p><h2 class="gnt_ar_b_h2">1. Get a part-time job</h2><p class="gnt_ar_b_p">You might struggle to find a full-time job if you're laid off at work or if health issues prevent you from working 40 hours a week or more. But that doesn't mean you can't work on a part-time basis.</p><p class="gnt_ar_b_p">These days, the workforce is growing increasingly flexible and remote, so you may have more options for finding a job that's easy to manage, even if you're grappling with limited mobility. If you're able to secure a high-enough paycheck, you might manage to get by for a while on that income alone, thereby letting your Social Security benefits grow.</p><aside aria-label="advertisement" class="gnt_m gnt_x gnt_x__lbl gnt_x__al"/><h2 class="gnt_ar_b_h2">2. Downsize your lifestyle</h2><p class="gnt_ar_b_p">Losing your job could force you to immediately claim Social Security – unless...</p></div> <style> .wrapper { text-align: center; } </style> <div class="wrapper"> <a class="button" href ="https://www.usatoday.com/story/money/personalfinance/retirement/2022/06/26/retiring-early-without-filing-for-social-security/50412345/">Read more <span>➤</span></a> </div>
