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Group 1 - The Social Security Administration does not penalize individuals for not claiming benefits at age 67, which is the full retirement age for those born in 1960 or later, allowing them to receive 100% of their benefits [2] - Delaying benefits past age 70 does not incur penalties, but it is financially disadvantageous as individuals would miss out on the benefits they earned [3] - The warning about penalties may relate to Medicare enrollment, where individuals could face late-enrollment fees if they do not sign up when eligible [3][4] Group 2 - Medicare has a seven-month enrollment period that includes three months before turning 65, the month of the 65th birthday, and three months after, with penalties for late enrollment [4] - Individuals with employer-provided health insurance can delay Medicare enrollment until their coverage ends, with an eight-month window to sign up after stopping work [5] - Medicare Part A is often free for many Americans, making it advisable to sign up even if other health insurance is in place, while Part B incurs a monthly premium and requires adherence to enrollment rules [6][7]

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