Your full retirement age is 66 and 2 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 74.2 percent of the monthly benefit because you will be getting benefits for an additional 50 months.
  • age 65, you will get 92.2 percent of the monthly benefit because you will be getting benefits for an additional 14 months.

If you start receiving benefits as a spouse at your full retirement age, you will get 50 percent of the monthly benefit your spouse would receive if their benefits started at full retirement age.  If you start receiving benefits at:

  • age 62, you will get 34.6 percent of the monthly benefit instead of 50 percent because you will be getting benefits for an additional 50 months.
  • age 65, you will get 45.1 percent of the monthly benefit instead of 50 percent because you will be getting benefits for an additional 14 months.
How Your Social Security Benefit Is Reduced
If you start getting benefits at age*

And you are the . . .

62  74.2%  34.6%
62 + 1 month 74.6 34.8
62 + 2 months 75.0 35.0
62 + 3 months 75.4 35.2
62 + 4 months 75.8 35.4
62 + 5 months 76.3 35.6
62 + 6 months 76.7 35.8
62 + 7 months 77.1 36.0
62 + 8 months 77.5 36.3
62 + 9 months 77.9 36.5
62 + 10 months 78.3 36.7
62 + 11 months 78.8 36.9
63 79.2 37.1
63 + 1 month 79.6 37.3
63 + 2 months 80.0 37.5
63 + 3 months 80.6 37.8
63 + 4 months 81.1 38.2
63 + 5 months 81.7 38.5
63 + 6 months 82.2 38.9
63 + 7 months 82.8 39.2
63 + 8 months 83.3 39.6
63 + 9 months 83.9 39.9
63 + 10 months 84.4 40.3
63 + 11 months 85.0 40.6
64 85.6 41.0
64 + 1 month 86.1 41.3
64 + 2 months 86.7 41.7
64 + 3 months 87.2 42.0
64 + 4 months 87.8 42.4
64 + 5 months 88.3 42.7
64 + 6 months 88.9 43.1
64 + 7 months 89.4 43.4
64 + 8 months 90.0 43.8
64 + 9 months 90.6 44.1
64 + 10 months 91.1 44.4
64 + 11 months 91.7 44.8
65 92.2 45.1
65 + 1 month 92.8 45.5
65 + 2 months 93.3 45.8
65 + 3 months 93.9 46.2
65 + 4 months 94.4 46.5
65 + 5 months 95.0 46.9
65 + 6 months 95.6 47.2
65 + 7 months 96.1 47.6
65 + 8 months 96.7 47.9
65 + 9 months 97.2 48.3
65 + 10 months 97.8 48.6
65 + 11 months 98.3 49.0
66 98.9 49.3
66 + 1 month 99.4 49.7
66 + 2 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.