<prompt> Translate the following text to SwahiliOptions reducing initial benefits or raising the retirement age take time to implement or phase in, allowing time for people to adjust their retirement plans.  <response>: Chaguzi 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. 