Your full retirement age is 66 and 6 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 72.5 percent of the monthly benefit because you will be getting benefits for an additional 54 months.
  • age 65, you will get 90 percent of the monthly benefit because you will be getting benefits for an additional 18 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 33.8 percent of the monthly benefit instead of 50 percent because you will be getting benefits for an additional 54 months.
  • age 65, you will get 43.8 percent of the monthly benefit instead of 50 percent because you will be getting benefits for an additional 18 months.
How Your Social Security Benefit Is Reduced
If you start getting benefits at age*

And you are the . . .

62  72.5%  33.8%
62 + 1 month 72.9 34.0
62 + 2 months 73.3 34.2
62 + 3 months 73.8 34.4
62 + 4 months 74.2 34.6
62 + 5 months 74.6 34.8
62 + 6 months 75.0 35.0
62 + 7 months 75.4 35.2
62 + 8 months 75.8 35.4
62 + 9 months 76.3 35.6
62 + 10 months 76.7 35.8
62 + 11 months 77.1 36.0
63 77.5 36.3
63 + 1 month 77.9 36.5
63 + 2 months 78.3 36.7
63 + 3 months 78.8 36.9
63 + 4 months 79.2 37.1
63 + 5 months 79.6 37.3
63 + 6 months 80.0 37.5
63 + 7 months 80.6 37.8
63 + 8 months 81.1 38.2
63 + 9 months 81.7 38.5
63 + 10 months 82.2 38.9
63 + 11 months 82.8 39.2
64 83.3 39.6
64 + 1 month 83.9 39.9
64 + 2 months 84.4 40.3
64 + 3 months 85.0 40.6
64 + 4 months 85.6 41.0
64 + 5 months 86.1 41.3
64 + 6 months 86.7 41.7
64 + 7 months 87.2 42.0
64 + 8 months 87.8 42.4
64 + 9 months 88.3 42.7
64 + 10 months 88.9 43.1
64 + 11 months 89.4 43.4
65 90.0 43.8
65 + 1 month 90.6 44.1
65 + 2 months 91.1 44.4
65 + 3 months 91.7 44.8
65 + 4 months 92.2 45.1
65 + 5 months 92.8 45.5
65 + 6 months 93.3 45.8
65 + 7 months 93.9 46.2
65 + 8 months 94.4 46.5
65 + 9 months 95.0 46.9
65 + 10 months 95.6 47.2
65 + 11 months 96.1 47.6
66 96.7 47.9
66 + 1 month 97.2 48.3
66 + 2 months 97.8 48.6
66 + 3 months 98.3 49.0
66 + 4 months 98.9 49.3
66 + 5 months 99.4 49.7
66 + 6 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.