Your full retirement age is 66 and 10 months

If you start receiving benefits at age 66 and 10 months you get 100% of your monthly benefit. If you delay receiving retirement benefits until after your full retirement age, your monthly benefit continues to increase.

The chart below explains how delayed retirement affects your benefit. The increase is based on your date of birth and the number of months you delay the start of your retirement benefits. If you start receiving retirement benefits at age

  • 67, you'll get 101.3% of the monthly benefit because you delayed getting benefits for 2 months.

  • 70, you'll get 125.3% of the monthly benefit because you delayed getting benefits for 38 months.

    When you reach age 70, your monthly benefit tops increasing even if you continue to delay taking benefits.

If you decide to delay your retirement, be sure to

Sign up for Medicare at age 65

In some circumstances, medical insurance costs more if you delay applying for it.

How Delayed Retirement Affects Your Social Security Benefits
66 + 10 months 100%
66 + 11 months 100.7%
67 101.3%
67 + 1 month 102.0%
67 + 2 months 102.7%
67 + 3 months 103.3%
67 + 4 months 104.0%
67 + 5 months 104.7%
67 + 6 months 105.3%
67 + 7 months 106.%
67 + 8 months 106.7%
67 + 9 months 107.3%
67 + 10 months 108.0%
67 + 11 months 108.7%
68 109.3%
68 + 1 month 110.0%
68 + 2 months 110.7%
68 + 3 months 111.3%
68 + 4 months 112.0%
68 + 5 months 112.7%
68 + 6 months 113.3%
68 + 7 months 114.0%
68 + 8 months 114.7%
68 + 9 months 115.3%
68 + 10 months 116.0%
68 + 11 months 116.7%
69 117.3%
69 + 1 month 118.0%
69 + 2 months 118.7%
69 + 3 months 119.3%
69 + 4 months 120.0%
69 + 5 months 120.7%
69 + 6 months 121.3%
69 + 7 months 122.0%
69 + 8 months 122.7%
69 + 9 months 123.3%
69 + 10 months 124.0%
69 + 11 months 124.7%
70 or later 125.3%
*If your birthday is on the 1st of the month, we figure your benefit as if your birthday were in the previous month.