This is an archival or historical document. It may not reflect current policies or procedures.
Your full retirement age is 65 and 6 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 77.5% of the monthly benefit because you will be getting benefits for an additional 42 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 36.3% of the monthly benefit instead of 50% because you will be getting benefits for an additional 42 months.
Note: If you qualify for benefits as a Survivor, your full retirement age may be different.
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 | 77.5% | 36.3% |
62 + 1 month | 77.9 | 36.5 |
62 + 2 months | 78.3 | 36.7 |
62 + 3 months | 78.8 | 36.9 |
62 + 4 months | 79.2 | 37.1 |
62 + 5 months | 79.6 | 37.3 |
62 + 6 months | 80.0 | 37.5 |
62 + 7 months | 80.6 | 37.8 |
62 + 8 months | 81.1 | 38.2 |
62 + 9 months | 81.7 | 38.5 |
62 + 10 months | 82.2 | 38.9 |
62 + 11 months | 82.8 | 39.2 |
63 | 83.3 | 39.6 |
63 + 1 month | 83.9 | 39.9 |
63 + 2 months | 84.4 | 40.3 |
63 + 3 months | 85.0 | 40.6 |
63 + 4 months | 85.6 | 41.0 |
63 + 5 months | 86.1 | 41.3 |
63 + 6 months | 86.7 | 41.7 |
63 + 7 months | 87.2 | 42.0 |
63 + 8 months | 87.8 | 42.4 |
63 + 9 months | 88.3 | 42.7 |
63 + 10 months | 88.9 | 43.1 |
63 + 11 months | 89.4 | 43.4 |
64 | 90.0 | 43.8 |
64 + 1 month | 90.6 | 44.1 |
64 + 2 months | 91.1 | 44.4 |
64 + 3 months | 91.7 | 44.8 |
64 + 4 months | 92.2 | 45.1 |
64 + 5 months | 92.8 | 45.5 |
64 + 6 months | 93.3 | 45.8 |
64 + 7 months | 93.9 | 46.2 |
64 + 8 months | 94.4 | 46.5 |
64 + 9 months | 95.0 | 46.9 |
64 + 10 months | 95.6 | 47.2 |
64 + 11 months | 96.1 | 47.6 |
65 | 96.7 | 47.9 |
65 + 1 month | 97.2 | 48.3 |
65 + 2 months | 97.8 | 48.6 |
65 + 3 months | 98.3 | 49.0 |
65 + 4 months | 98.9 | 49.3 |
65 + 5 months | 99.4 | 49.7 |
65 + 6 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.