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Your full retirement age is 65

Remember, the earliest a person can start receiving Social Security retirement benefits will remain age 62.

If you start receiving retirement benefits at age 62, you will get 80% of the monthly benefit because you will be getting benefits for an additional 36 months.

If you start receiving benefits as a spouse at

  • your full retirement age, you will get 50% of the monthly benefit your spouse would receive if his or her benefits started at full retirement age.
  • age 62, you will get 37.5% of the monthly benefit instead of 50% because you will be getting benefits for an additional 36 months.

Note: If you qualify for benefits as a Survivor, your full retirement age may be different.

Full retirement age goes from 65 to.... 66.... 67
 

How Your Social Security Benefit is Reduced

If you start getting benefits at age*

And you are the . . .

Wage Earner, the Retirement Benefit you will receive is reduced to

Spouse, the Retirement Benefit you will receive is reduced to
62  80.0%  37.5%
62 + 1 month 80.6 37.8
62 + 2 months 81.1 38.2
62 + 3 months 81.7 38.5
62 + 4 months 82.2 38.9
62 + 5 months 82.8 39.2
62 + 6 months 83.3 39.6
62 + 7 months 83.9 39.9
62 + 8 months 84.4 40.3
62 + 9 months 85.0 40.6
62 + 10 months 85.6 41.0
62 + 11 months 86.1 41.3
63 86.7 41.7
63 + 1 month 87.2 42.0
63 + 2 months 87.8 42.4
63 + 3 months 88.3 42.7
63 + 4 months 88.9 43.1
63 + 5 months 89.4 43.4
63 + 6 months 90.0 43.8
63 + 7 months 90.6 44.1
63 + 8 months 91.1 44.4
63 + 9 months 91.7 44.8
63 + 10 months 92.2 45.1
63 + 11 months 92.8 45.5
64 93.3 45.8
64 + 1 month 93.9 46.2
64 + 2 months 94.4 46.5
64 + 3 months 95.0 46.9
64 + 4 months 95.6 47.2
64 + 5 months 96.1 47.6
64 + 6 months 96.7 47.9
64 + 7 months 97.2 48.3
64 + 8 months 97.8 48.6
64 + 9 months 98.3 49.0
64 + 10 months 98.9 49.3
64 + 11 months 99.4 49.7
65 100.0 50.0
*If your birthday is on the 1st of the month, we figure your benefit as if your birthday were the previous month.

Click here for a chart of retirement benefits and reductions based on different years of birth.

  
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Last reviewed or modified Monday Jan 14, 2008
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