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Another proposal would gradually raise both the full retirement age and the early eligibility age.

Each summary is accompanied by two opinions that AARP commissioned from experts whose views typically represent different sides of the issues.

The earliest eligibility age would increase from 62 until it reached 65 under the same schedule as the full retirement age.

This would fill an estimated 26 percent of the funding gap.

The trend contributes to Social Security’s funding gap, and one option to offset it is longevity indexing.

Indexing would automatically modify Social Security to pay smaller monthly benefits as life spans increase.

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