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Frequently Asked Questions

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Choosing when to start receiving your Social Security retirement benefits is an important decision that affects your monthly benefit amount for the rest of your life. If you wait until your full retirement age (67 for people who are born in 1960 or later), you will get your full benefit.

You can start receiving your Social Security retirement benefit as early as age 62. But we will reduce your benefits by as much as 30% below what you would get if you waited to begin receiving benefits until your full retirement age.

On the other hand, if you delay claiming your benefit, your monthly amount will be increased for each month of delay. These adjustments are permanent.

For more details on the affect of choosing early or delayed retirement read our publication When to Start Receiving Retirement Benefits.

You can also get estimates of your personal retirement benefits and see the effects of different retirement age scenarios by creating or signing in to your personal my Social Security


More information available at:

Retirement Age and Benefit Reduction
Delayed Retirement Credits
Important Things to Consider When Planning for Retirement
Early or Late Retirement Benefits
You Can Receive Benefits Before Your Full Retirement Age

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