Your full retirement age is 66 and 10 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 70.8 percent of the monthly benefit because you will be getting benefits for an additional 58 months.
  • age 65, you will get 87.8 percent of the monthly benefit because you will be getting benefits for an additional 22 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 32.9 percent of the monthly benefit instead of 50 percent because you will be getting benefits for an additional 58 months.
  • age 65, you will get 42.4 percent of the monthly benefit instead of 50 percent because you will be getting benefits for an additional 22 months.
How Your Social Security Benefit Is Reduced
If you start getting benefits at age*

And you are the . . .

62 70.8% 32.9%
62 + 1 month 71.3 33.1
62 + 2 months 71.7 33.3
62 + 3 months 72.1 33.5
62 + 4 months 72.5 33.8
62 + 5 months 72.9 34.0
62 + 6 months 73.3 34.2
62 + 7 months 73.8 34.4
62 + 8 months 74.2 34.6
62 + 9 months 74.6 34.8
62 + 10 months 75.0 35.0
62 + 11 months 75.4 35.2
63 75.8 35.4
63 + 1 month 76.3 35.6
63 + 2 months 76.7 35.8
63 + 3 months 77.1 36.0
63 + 4 months 77.5 36.3
63 + 5 months 77.9 36.5
63 + 6 months 78.3 36.7
63 + 7 months 78.8 36.9
63 + 8 months 79.2 37.1
63 + 9 months 79.6 37.3
63 + 10 months 80.0 37.5
63 + 11 months 80.6 37.8
64 81.1 38.2
64 + 1 month 81.7 38.5
64 + 2 months 82.2 38.9
64 + 3 months 82.8 39.2
64 + 4 months 83.3 39.6
64 + 5 months 83.9 39.9
64 + 6 months 84.4 40.3
64 + 7 months 85.0 40.6
64 + 8 months 85.6 41.0
64 + 9 months 86.1 41.3
64 + 10 months 86.7 41.7
64 + 11 months 87.2 42.0
65 87.8 42.4
65 + 1 month 88.3 42.7
65 + 2 months 88.9 43.1
65 + 3 months 89.4 43.4
65 + 4 months 90.0 43.8
65 + 5 months 90.6 44.1
65 + 6 months 91.1 44.4
65 + 7 months 91.7 44.8
65 + 8 months 92.2 45.1
65 + 9 months 92.8 45.5
65 + 10 months 93.3 45.8
65 + 11 months 93.9 46.2
66 94.4 46.5
66 + 1 month 95.0 46.9
66 + 2 months 95.6 47.2
66 + 3 months 96.1 47.6
66 + 4 months 96.7 47.9
66 + 5 months 97.2 48.3
66 + 6 months 97.8 48.6
66 + 7 months 98.3 49.0
66 + 8 months 98.9 49.3
66 + 9 months 99.4 49.7
66 + 10 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.