First, the temptation to retire once Social Security benefits can be claimed, at the age of 62, seems irresistible for the majority of workers, even though the payments are actuarially reduced.

• 首先，对于大多数工人来说，即使薪水确实有所减少，一旦社保的种种福利可以实现，62岁退休的诱惑是难以抵挡的。