Dear Rusty: I stopped working at age 55, well before my full retirement age of 66 years and 10 months. I had over 35 years working prior to retiring from work. I don’t intend to start collecting Social Security until my full retirement age. Will I be penalized for all those years between when I stopped working and my full retirement age? Signed: Planning Ahead

This recording presents the viewpoints of the AMAC Foundation’s Social Security Advisory Staff, trained and accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). NSSA and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government. To request additional information, contact our Advisory Staff at 888-750-2622, or email us at SSAdvisor@AmacFoundation.org.