Your full retirement age is 66 and 4 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 73.3 percent of the monthly benefit because you will be getting benefits for an additional 52 months.
  • age 65, you will get 91.1 percent of the monthly benefit because you will be getting benefits for an additional 16 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 34.2 percent of the monthly benefit instead of 50 percent because you will be getting benefits for an additional 52 months.
  • age 65, you will get 44.4 percent of the monthly benefit instead of 50 percent because you will be getting benefits for an additional 16 months.
How Your Social Security Benefit Is Reduced
If you start getting benefits at age*

And you are the . . .

62  73.3%  34.2%
62 + 1 month 73.8 34.4
62 + 2 months 74.2 34.6
62 + 3 months 74.6 34.8
62 + 4 months 75.0 35.0
62 + 5 months 75.4 35.2
62 + 6 months 75.8 35.4
62 + 7 months 76.3 35.6
62 + 8 months 76.7 35.8
62 + 9 months 77.1 36.0
62 + 10 months 77.5 36.3
62 + 11 months 77.9 36.5
63 78.3 36.7
63 + 1 month 78.8 36.9
63 + 2 months 79.2 37.1
63 + 3 months 79.6 37.3
63 + 4 months 80.0 37.5
63 + 5 months 80.6 37.8
63 + 6 months 81.1 38.2
63 + 7 months 81.7 38.5
63 + 8 months 82.2 38.9
63 + 9 months 82.8 39.2
63 + 10 months 83.3 39.6
63 + 11 months 83.9 39.9
64 84.4 40.3
64 + 1 month 85.0 40.6
64 + 2 months 85.6 41.0
64 + 3 months 86.1 41.3
64 + 4 months 86.7 41.7
64 + 5 months 87.2 42.0
64 + 6 months 87.8 42.4
64 + 7 months 88.3 42.7
64 + 8 months 88.9 43.1
64 + 9 months 89.4 43.4
64 + 10 months 90.0 43.8
64 + 11 months 90.6 44.1
65 91.1 44.4
65 + 1 month 91.7 44.8
65 + 2 months 92.2 45.1
65 + 3 months 92.8 45.5
65 + 4 months 93.3 45.8
65 + 5 months 93.9 46.2
65 + 6 months 94.4 46.5
65 + 7 months 95.0 46.9
65 + 8 months 95.6 47.2
65 + 9 months 96.1 47.6
65 + 10 months 96.7 47.9
65 + 11 months 97.2 48.3
66 97.8 48.6
66 + 1 month 98.3 49.0
66 + 2 months 98.9 49.3
66 + 3 months 99.4 49.7
66 + 4 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.