If you were born in 1938,

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Your full retirement age is 65 and 2 months

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 79.2% of the monthly benefit because you will be getting benefits for an additional 38 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 37.1% of the monthly benefit instead of 50% because you will be getting benefits for an additional 38 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 . . .
If you start getting benefits at age*	Wage Earner, the Retirement Benefit you will receive is reduced to	Spouse, the Retirement Benefit you will receive is reduced to
62	79.2%	37.1%
62 + 1 month	79.6	37.3
62 + 2 months	80.0	37.5
62 + 3 months	80.6	37.8
62 + 4 months	81.1	38.2
62 + 5 months	81.7	38.5
62 + 6 months	82.2	38.9
62 + 7 months	82.8	39.2
62 + 8 months	83.3	39.6
62 + 9 months	83.9	39.9
62 + 10 months	84.4	40.3
62 + 11 months	85.0	40.6
63	85.6	41.0
63 + 1 month	86.1	41.3
63 + 2 months	86.7	41.7
63 + 3 months	87.2	42.0
63 + 4 months	87.8	42.4
63 + 5 months	88.3	42.7
63 + 6 months	88.9	43.1
63 + 7 months	89.4	43.4
63 + 8 months	90.0	43.8
63 + 9 months	90.6	44.1
63 + 10 months	91.1	44.4
63 + 11 months	91.7	44.8
64	92.2	45.1
64 + 1 month	92.8	45.5
64 + 2 months	93.3	45.8
64 + 3 months	93.9	46.2
64 + 4 months	94.4	46.5
64 + 5 months	95.0	46.9
64 + 6 months	95.6	47.2
64 + 7 months	96.1	47.6
64 + 8 months	96.7	47.9
64 + 9 months	97.2	48.3
64 + 10 months	97.8	48.6
64 + 11 months	98.3	49.0
65	98.9	49.3
65 + 1 month	99.4	49.7
65 + 2 months	100.0	50.0
*If your birthday is on the 1st of the month, then we figure the 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.


	Privacy Policy \| Website Policies & Other Important Information \| Site Map Last reviewed or modified Monday Jan 14, 2008	Need Larger Text?

If you were born in 1938,

Your full retirement age is 65 and 2 months

How Your Social Security Benefit is Reduced