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Social Security When to Start Your Benefits

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 start your benefits early, they will be permanently reduced based on the number of months you receive benefits before you reach your full retirement age.

If you were born after 1937, you can start your retirement benefits at 62 but the reduction in your benefit amount will depend on the year you were born. The maximum reduction at age 62 will be

  • 25 percent for people who reach age 62 in 2005.
  • 30 percent for people born after 1959.

If you do not receive retirement benefits until you reach full retirement age your benefits will not be reduced.

source: http://www.socialsecurity.gov/retire2/applying1.htm

Social Security Questions and answers
In the news: Read Carols comments in this BankRate.com Social Security article


Thank you so much. The amount of infomation you provided on our call went a long way in helping to resolve the issues I had with the social security rep I was working with.
Tom F. 05-23-2017


Thank you so much. You provide a fantastic service and I really appreciate all your help. The next time I have a question regarding Social Security I will go to you first and save myself a lot of time.
Carol J. 05-11-2017


Thanks for the straight forward answers. It would have save a lot of time if I knew about this site months ago.
Emily D. 04-30-2017

Great talking with you and thanks for the help. Things now seem to be going in the right direction.
Chris H. 04-30-2017

Hello, thank you so much for responding to my inquiry, I really did not expect to get an answer from you so quickly. Brought the information you sent to my social security office an the issue, i have been dealing with for months, was resolved in an hour.
Veda M. 04-10-2017

Thank you so much for the reply.
Tom C. 03-11-2017

Thank you so much for returning my email so quickly.
Laverne J. 03-01-2017

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