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Here are three key signs you shouldfile for Social Security sooner rather than later.

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Their payments are reduced by 30% per month, Carey said.

Over time, this can add up to thousands of dollars in reduced payments.

Typically, the higher-earning spouse should delay filing until 70 to maximize their benefit.

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In some cases, claiming early may make sense, especially if your own benefit is lower.

But switching strategies claiming their own benefits later can optimize overall payouts, Pavone said.

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