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| Social Security Full retirement age |
If your full retirement age is older than 65 (that is, you were born after
1937), you still will be able to take your benefits at age 62, but the
reduction in your benefit amount will be greater than it is for people
retiring now.
Here's how it works. If your full retirement age
is 67, the reduction for starting your
-
Retirement benefits at 62 is about 30 percent.
The reduction for starting benefits at age
- 63 is about 25 percent;
- 64 is about 20 percent;
- 65 is about 13.3 percent; and
- 66 is about 6.7 percent.
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Benefit as a spouse at 62 is about 67.5 percent
of the benefit your spouse would receive if his or her benefits started
at full retirement age. The reduction for starting benefits as a
spouse at age
- 63 is about 65 percent;
- 64 is about 62.5 percent;
- 65 is about 58.3 percent;
- 66 is about 54.2 percent; and
- 67 is 50 percent.
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Age
To Receive Full Social Security Benefits
(Called "full retirement age" or "normal
retirement age.")
Note: If you qualify
for benefits as a Survivor, your full retirement age may be different.
|
Year of Birth* |
Full Retirement Age
|
| 1937
or earlier |
65
|
| 1938
|
65 and 2 months |
| 1939
|
65
and 4 months |
| 1940
|
65 and 6 months |
| 1941
|
65
and 8 months |
| 1942
|
65 and 10 months |
| 1943--1954
|
66 |
| 1955
|
66 and 2 months |
| 1956
|
66
and 4 months |
| 1957
|
66 and 6 months |
| 1958
|
66
and 8 months |
| 1959
|
66 and 10 months |
| 1960
and later |
67
|
| *If
you were born on January 1st of any year you should refer to the previous year. |
|
The earliest you can
start receiving Social Security retirement benefits will remain age 62.
Note: If you delay your benefits until after full retirement age, you also may be eligible for delayed retirement credits that would increase your monthly benefit.
Source: http://www.socialsecurity.gov/retire2/retirechart.htm
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