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If you were born in 1958, 

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Your full retirement age is 66 and 8 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 71.7% of the monthly benefit because you will be getting benefits for an additional 56 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 33.3% of the monthly benefit instead of 50% because you will be getting benefits for an additional 56 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  71.7%
 33.3%
62 + 1 month 72.1
33.5
62 + 2 months 72.5
33.8
62 + 3 months 72.9
34.0
62 + 4 months 73.3
34.2
62 + 5 months 73.8
34.4
62 + 6 months 74.2
34.6
62 + 7 months 74.6
34.8
62 + 8 months 75.0
35.0
62 + 9 months 75.4
35.2
62 + 10 months 75.8
35.4
62 + 11 months 76.3
35.6
63 76.7
35.8
63 + 1 month 77.1
36.0
63 + 2 months 77.5
36.3
63 + 3 months 77.9
36.5
63 + 4 months 78.3
36.7
63 + 5 months 78.8
36.9
63 + 6 months 79.2
37.1
63 + 7 months 79.6
37.3
63 + 8 months 80.0
37.5
63 + 9 months 80.6
37.8
63 + 10 months 81.1
38.2

63 + 11 months

 81.7
38.5
64 82.2
38.9
64 + 1 month 82.8
39.2
64 + 2 months 83.3
39.6
64 + 3 months 83.9
39.9
64 + 4 months 84.4
40.3
64 + 5 months 85.0
40.6
64 + 6 months 85.6
41.0
64 + 7 months 86.1
41.3
64 + 8 months 86.7
41.7
64 + 9 months 87.2
42.0
64 + 10 months 87.8
42.4
64 + 11 months 88.3
42.7
65 88.9
43.1
65 + 1 month 89.4
43.4
65 + 2 months 90.0
43.8
65 + 3 months 90.6
44.1
65 + 4 months 91.1
44.4
65 + 5 months 91.7
44.8
65 + 6 months 92.2
45.1
65 + 7 months 92.8
45.5
65 + 8 months 93.3
45.8
65 + 9 months 93.9
46.2
65 + 10 months 94.4
46.5
65 + 11 months 95.0
46.9
66 95.6
47.2
66 + 1 month 96.1
47.6
66 + 2 months 96.7
47.9
66 + 3 months 97.2
48.3
66 + 4 months 97.8
48.6
66 + 5 months 98.3
49.0
66 + 6 months 98.9
49.3
66 + 7 months 99.4
49.7
66 + 8 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.

  
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Last reviewed or modified Monday Jan 14, 2008
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