Suppose you're like my friends and started Social Security too early. Or suppose you got laid off, started your Social Security to make ends meet, and then found a job. Now what?
Until December 2010, you could invoke a "do over" by paying back any benefits you'd received at any time and then move forward as if you had never started your benefits. But the Social Security Administration changed that rule, and now it limits the pay-back option to within 12 months of starting benefits..."
