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Suppose that a 60-year-old family friend says that she wants to start receiving benefits at the early entitlement age but doesn't want to quit working

Suppose that a 60-year-old family friend says that she wants to start receiving benefits at the early entitlement age but doesn't want to quit working until she is of full benefits age. She wants your advice on whether she'd be penalized for working while receiving benefits at the early entitlement age. What is your advice? Be sure to discuss the significance of the earnings test.

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