You can start your Social Security retirement benefits as early as age 62, but the benefit amount you receive will be less than your full retirement benefit amount.
The chart below provides examples of the percentage of your full retirement benefit amount you and your spouse would receive from age 62 up to your full retirement age.
How Your Social Security Benefit Is Reduced
If you start getting benefits at age *
And you are the: Wage Earner, the benefit amount you will receive is reduced to
And you are the: Spouse, the benefit amount you will receive is reduced to
62
73.3%
34.2%
62 + 1 month
73.8
34.4
62 + 2 months
74.2
34.6
62 + 3 months
74.6
34.8
62 + 4 months
75.0
35.0
62 + 5 months
75.4
35.2
62 + 6 months
75.8
35.4
62 + 7 months
76.3
35.6
62 + 8 months
76.7
35.8
62 + 9 months
77.1
36.0
62 + 10 months
77.5
36.3
62 + 11 months
77.9
36.5
63
78.3
36.7
63 + 1 month
78.8
36.9
63 + 2 months
79.2
37.1
63 + 3 months
79.6
37.3
63 + 4 months
80.0
37.5
63 + 5 months
80.6
37.8
63 + 6 months
81.1
38.2
63 + 7 months
81.7
38.5
63 + 8 months
82.2
38.9
63 + 9 months
82.8
39.2
63 + 10 months
83.3
39.6
63 + 11 months
83.9
39.9
64
84.4
40.3
64 + 1 month
85.0
40.6
64 + 2 months
85.6
41.0
64 + 3 months
86.1
41.3
64 + 4 months
86.7
41.7
64 + 5 months
87.2
42.0
64 + 6 months
87.8
42.4
64 + 7 months
88.3
42.7
64 + 8 months
88.9
43.1
64 + 9 months
89.4
43.4
64 + 10 months
90.0
43.8
64 + 11 months
90.6
44.1
65
91.1
44.4
65 + 1 month
91.7
44.8
65 + 2 months
92.2
45.1
65 + 3 months
92.8
45.5
65 + 4 months
93.3
45.8
65 + 5 months
93.9
46.2
65 + 6 months
94.4
46.5
65 + 7 months
95.0
46.9
65 + 8 months
95.6
47.2
65 + 9 months
96.1
47.6
65 + 10 months
96.7
47.9
65 + 11 months
97.2
48.3
66
97.8
48.6
66 + 1 month
98.3
49.0
66 + 2 months
98.9
49.3
66 + 3 months
99.4
49.7
66 + 4 months
100.0
50.0
* If your birthday is on the 1st of the month, we figure your benefit as if your birthday were in the previous month.
is 66 and 4 months (En español) You can start your Social Security retirement benefits as early as age 62, but the benefit amount you receive will be less than your full retirement benefit amount.
If you were born between 1956 your full retirement age is 66 and 4 months (En español) If you start receiving benefits at age 66 and 4 months you get 100% of your monthly benefit. If you delay receiving retirement benefits until after your full retirement age, your monthly benefit continues to increase.
The full retirement age is 66 if you were born from 1943 to 1954. The full retirement age increases gradually if you were born from 1955 to 1960 until it reaches 67. For anyone born 1960 or later, full retirement benefits are payable at age 67.
You can start receiving your Social Security retirement benefits as early as age 62. However, you are entitled to full benefits when you reach your full retirement age. If you delay taking your benefits from your full retirement age up to age 70, your benefit amount will increase.
If you start receiving benefits at age 66 and 6 months you get 100 percent of your monthly benefit. If you delay receiving retirement benefits until after your full retirement age, your monthly benefit continues to increase.
You can get Social Security retirement benefits and work at the same time. However, if you are younger than full retirement age and make more than the yearly earnings limit, we will reduce your benefits. Starting with the month you reach full retirement age, we will not reduce your benefits no matter how much you earn.
Social Security survivors benefits are paid to widows, widowers, and dependents of eligible workers. This benefit is particularly important for young families with children.
Introduction: My name is Geoffrey Lueilwitz, I am a zealous, encouraging, sparkling, enchanting, graceful, faithful, nice person who loves writing and wants to share my knowledge and understanding with you.
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