Indirect procurement is the sourcing of all goods and services for a business to enable its activity. Or looking at it another way, the goods and services classified under the umbrella of indirect procurement are commonly bought for consumption by internal stakeholders (business units or functions) rather than the external customer or client.
Social Security's full-benefit retirement age is increasing gradually because of legislation passed by Congress in 1983. Traditionally, the full benefit age was  65, and early retirement benefits were first available at age 62, with a permanent reduction to 80 percent of the full benefit amount.
Your full retirement age under Social Security is somewhere between 66 and 67, depending on when you were born, but you can claim retirement benefits as early as age 62. However, as you'll see below, when you claim your Social Security benefits can make a huge difference in how much you get.