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    For many, one of the questions most on their minds is whether they can work and still collect Social Security benefits--and what happens if they do.

    Answer: Yes, you can collect Social Security retirement or survivors benefits and work at the same time, but there are a few conditions.

    (This is not true of the special age 72 payments (see 346-348), black lung benefits (see Chapter 22), medical insurance (see Chapter 24), or SSI (see Chapter 21).) You are entitled to benefits beginning the first month in the retroactive period that you meet all requirements (except for the filing of an application) for entitlement.

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    But even more grumbling is taking place among younger baby boomers who have been studying strategies for when it would be in their best interest to claim Social Security benefits, particularly for married couples.

    Financial experts said that some couples who used the "file and suspend" strategy — now being phased out for younger boomers — could add ,000 or more to their overall Social Security payout throughout their lifetimes.

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