<prompt> Translate the following text to EnglishChaguzi za kupunguza faida za awali au kuongeza umri wa kustaafu huchukua muda kutekeleza au hatua kwa hatua, kuruhusu wakati kwa watu kurekebisha mipango yao ya kustaafu.  <response>: Options reducing initial benefits or raising the retirement age take time to implement or phase in, allowing time for people to adjust their retirement plans. 