People who don't need the money from Social Security retirement benefits but who claim them early because they fear the money will be taken away are being foolish, Mary Beth Franklin writes. "The idea that workers who have paid taxes throughout their careers to fund Social Security no longer being able to access the retirement benefits they have earned would represent a monumental shift in the most successful and popular federal program in history," she writes. "Such a proposal would spark a lengthy and contentious debate. I guarantee, any eventual decision won't slip by unnoticed."

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