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You can begin getting Social Security retirement benefits 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 getting benefits until your full retirement age. 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 also can wait until age 70 to start your benefits. Then, we will increase your benefit because you earned “delayed retirement credits.”

When you’re ready to apply for retirement benefits, use our online retirement application, the quickest, easiest, and most convenient way to apply.

More Information 
Benefits By Year Of Birth 
Delayed Retirement Credits  
What Is The Best Age To Start Your Benefits? 
Early or Late Retirement Benefits 
Factors That May Affect Your Benefits 
When To Start Receiving Retirement Benefits
Social Security retirement publications

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