Have People Delayed Claiming Retirement Benefits? Responses to Changes in Social Security Rules

by Jae Song and Joyce Manchester
Social Security Bulletin, Vol. 67, No. 2, 2007

Table equivalent for Chart 1. Benefit amounts as a percentage of the primary insurance amount, by birth year and entitlement age
Entitlement age ^a	1937 or earlier	1938	1939	1940	1941	1942
62	80.0000	79.1667	78.3333	77.5000	76.6667	75.8333
62 & 2	81.1111	80.0000	79.1667	78.3333	77.5000	76.6667
62 & 4	82.2222	81.1111	80.0000	79.1667	78.3333	77.5000
62 & 6	83.3333	82.2222	81.1111	80.0000	79.1667	78.3333
62 & 8	84.4444	83.3333	82.2222	81.1111	80.0000	79.1667
62 & 10	85.5556	84.4444	83.3333	82.2222	81.1111	80.0000
63	86.6667	85.5556	84.4444	83.3333	82.2222	81.1111
63 & 2	87.7778	86.6667	85.5556	84.4444	83.3333	82.2222
63 & 4	88.8889	87.7778	86.6667	85.5556	84.4444	83.3333
63 & 6	90.0000	88.8889	87.7778	86.6667	85.5556	84.4444
63 & 8	91.1111	90.0000	88.8889	87.7778	86.6667	85.5556
63 & 10	92.2222	91.1111	90.0000	88.8889	87.7778	86.6667
64	93.3333	92.2222	91.1111	90.0000	88.8889	87.7778
64 & 2	94.4444	93.3333	92.2222	91.1111	90.0000	88.8889
64 & 4	95.5556	94.4444	93.3333	92.2222	91.1111	90.0000
64 & 6	96.6667	95.5556	94.4444	93.3333	92.2222	91.1111
64 & 8	97.7778	96.6667	95.5556	94.4444	93.3333	92.2222
64 & 10	98.8889	97.7778	96.6667	95.5556	94.4444	93.3333
65	100.0000	98.8889	97.7778	96.6667	95.5556	94.4444
65 & 2	101.0833	100.0000	98.8889	97.7778	96.6667	95.5556
65 & 4	102.1667	101.0833	100.0000	98.8889	97.7778	96.6667
65 & 6	103.2500	102.1667	101.1667	100.0000	98.8889	97.7778
65 & 8	104.3333	103.2500	102.3333	101.1667	100.0000	98.8889
65 & 10	105.4167	104.3333	103.5000	102.3333	101.2500	100.0000
66	106.5000	105.4167	104.6667	103.5000	102.5000	101.2500
SOURCE: Social Security Administration (2005), Table 2.A17.1
a. Entitlement age is measured in 2-month increments; the notation "62.5" = 62 years and 6 months.

Table equivalent for Chart 3. Entitlement probability: Percentage entitled as primary beneficiaries, 1997–2005, by sex and age
Age	1997	1998	1999	2000	2001	2002	2003	2004	2005
	Men
70	0.9778	0.9740	0.9758	0.9756	0.9746	0.9777	0.9794	0.9777	0.9778
69	0.9636	0.9637	0.9613	0.9712	0.9762	0.9777	0.9752	0.9753	0.9761
68	0.9574	0.9520	0.9526	0.9727	0.9745	0.9734	0.9738	0.9741	0.9721
67	0.9446	0.9417	0.9493	0.9702	0.9714	0.9721	0.9718	0.9698	0.9669
66	0.9301	0.9354	0.9313	0.9659	0.9698	0.9674	0.9648	0.9624	0.9575
65	0.9138	0.8999	0.9032	0.9616	0.9583	0.9553	0.9114	0.8539	0.7899
64	0.6503	0.6464	0.6377	0.6381	0.6347	0.6178	0.6017	0.5851	0.5770
63	0.5805	0.5727	0.5697	0.5724	0.5546	0.5433	0.5222	0.5148	0.4910
62	0.4346	0.4284	0.4392	0.4202	0.4094	0.3938	0.3816	0.3640	0.3542
	Women
70	0.8680	0.8628	0.8715	0.8652	0.8891	0.8774	0.8909	0.8883	0.9050
69	0.8405	0.8514	0.8427	0.8679	0.8592	0.8670	0.8724	0.8822	0.8829
68	0.8444	0.8360	0.8545	0.8527	0.8606	0.8644	0.8742	0.8757	0.8825
67	0.8297	0.8438	0.8355	0.8550	0.8615	0.8689	0.8684	0.8754	0.8853
66	0.8334	0.8244	0.8336	0.8556	0.8635	0.8614	0.8678	0.8771	0.8657
65	0.8071	0.8128	0.8246	0.8570	0.8536	0.8592	0.8376	0.7909	0.7620
64	0.6181	0.6326	0.6317	0.6248	0.6297	0.6214	0.6005	0.5944	0.5861
63	0.5775	0.5728	0.5690	0.5716	0.5686	0.5429	0.5368	0.5258	0.5272
62	0.4490	0.4406	0.4429	0.4484	0.4199	0.4195	0.4089	0.4013	0.3749
SOURCE: Authors' tabulations using active and inactive files of the Continuous Work History Sample, 2004; 1 percent Master Beneficiary Record extract based on Claim Account Number; and 1 percent Master Beneficiary Record extract based on Beneficiary Own Account Number for December 1999–2005 and June 2006.
NOTE: Data represent primary beneficiaries who were fully insured at age 60.

Table equivalent for Chart 4. Entitlement hazard: Percentage newly entitled, 1998–2005, by sex and age
Age	1998	1999	2000	2001	2002	2003	2004	2005
	Men
70	0.3012	0.3361	0.3829	0.1278	0.0596	0.0909	0.0932	0.0723
69	0.1604	0.1971	0.4177	0.1348	0.1273	0.0791	0.0608	0.0820
68	0.1393	0.1990	0.4783	0.1472	0.0821	0.0564	0.0891	0.0806
67	0.1711	0.2217	0.5823	0.1581	0.0787	0.1429	0.1621	0.1297
66	0.2577	0.3226	0.6585	0.2094	0.2194	0.2136	0.5877	0.7174
65	0.7152	0.7273	0.8976	0.8874	0.8825	0.7712	0.6378	0.4963
64	0.1591	0.1561	0.1623	0.1513	0.1457	0.1318	0.1332	0.1311
63	0.2450	0.2491	0.2395	0.2326	0.2298	0.2133	0.2180	0.1996
62	0.4277	0.4389	0.4196	0.4086	0.3932	0.3813	0.3631	0.3536
	Women
70	0.1492	0.2022	0.1688	0.1696	0.1532	0.1570	0.1176	0.1850
69	0.0683	0.0702	0.1783	0.0664	0.0595	0.0639	0.0785	0.0750
68	0.0599	0.1280	0.2477	0.0594	0.0388	0.0103	0.0585	0.0523
67	0.1199	0.1217	0.3580	0.0680	0.0880	0.1212	0.0890	0.1266
66	0.2041	0.2432	0.4151	0.1134	0.1310	0.1660	0.5000	0.6311
65	0.6760	0.6798	0.8059	0.8237	0.8257	0.7243	0.6114	0.5080
64	0.1747	0.1807	0.1732	0.1782	0.1563	0.1603	0.1535	0.1554
63	0.2705	0.2808	0.2807	0.2589	0.2536	0.2359	0.2290	0.2370
62	0.4794	0.4775	0.4795	0.4509	0.4462	0.4358	0.4224	0.3976
SOURCE: Authors' tabulations using active and inactive files of the Continuous Work History Sample, 2004; 1 percent Master Beneficiary Record extract based on Claim Account Number; and 1 percent Master Beneficiary Record extract based on Beneficiary Own Account Number for December 1999–2005 and June 2006.

Table equivalent for Chart 5. Cumulative percentage distribution of entitlement age, by sex and entitlement year
Entitlement age ^a	1998	2000	2003	2005
	Men
62	3.6083	3.5533	3.4188	3.4032
62.083	52.3853	51.8633	51.2403	51.0947
62.167	54.9316	54.2734	53.6001	53.5135
62.25	56.944	56.2354	55.5052	55.3254
62.333	58.5702	57.7788	57.0549	56.846
62.417	60.0885	59.2355	58.3737	58.1718
62.5	61.2963	60.3714	59.5626	59.3562
62.583	62.3129	61.3505	60.5025	60.3889
62.667	63.3144	62.3094	61.4352	61.3216
62.75	64.278	63.2056	62.3228	62.2284
62.833	65.2321	64.1018	63.2014	63.1559
62.917	66.067	64.8947	63.9591	63.9662
63	67.112	65.8683	64.9117	64.9661
63.083	68.1835	66.8327	65.8859	65.9695
63.167	68.9086	67.5334	66.5228	66.6091
63.25	69.6488	68.2433	67.2517	67.3401
63.333	70.2432	68.8149	67.8182	67.8987
63.417	70.8944	69.4031	68.3901	68.4694
63.5	71.4207	69.901	68.9133	68.9883
63.583	71.9224	70.4099	69.4148	69.5141
63.667	72.4638	70.9299	69.8947	69.9813
63.75	72.9466	71.389	70.362	70.4537
63.833	73.4729	71.8721	70.8329	70.9347
63.917	73.9575	72.3478	71.3272	71.4174
64	74.6864	72.9932	71.937	72.0363
64.083	75.3452	73.587	72.5143	72.6328
64.167	75.845	74.0498	72.9888	73.1121
64.25	76.3088	74.4868	73.42	73.5414
64.333	76.7385	74.9349	73.9594	74.0379
64.417	77.1929	75.3775	74.4447	74.5568
64.5	77.7116	75.9344	75.031	75.105
64.583	78.3098	76.4821	75.5686	75.5998
64.667	79.3719	77.4317	76.5825	76.5187
64.75	81.5869	79.473	78.9621	78.7582
64.833	83.8681	81.5677	81.2768	81.0253
64.917	86.1607	83.6071	83.3479	83.0062
65	96.5806	95.0194	95.0151	91.6884
65.083	96.8835	95.3882	95.4445	92.497
65.167	97.1183	95.6242	97.4507	95.0261
65.25	97.3417	95.9008	97.6419	95.4709
65.333	97.5178	96.1516	97.8367	97.7466
65.417	97.6882	96.371	97.9937	97.8966
65.5	97.8359	96.5757	98.1579	99.1034
65.583	97.9855	96.7748	98.3022	99.1844
65.667	98.0877	96.9555	98.4664	99.2534
65.75	98.188	97.1141	98.5999	99.3137
65.833	98.3054	97.2764	98.7172	99.3671
65.917	98.4114	97.4294	98.8254	99.4154
66	98.5117	97.5566	98.9192	99.4602
66.083	98.595	97.6672	98.9968	99.4895
66.167	98.6707	97.776	99.069	99.5274
66.25	98.718	97.9051	99.1827	99.555
66.333	98.7937	98.0305	99.2621	99.5981
66.417	98.8694	98.1448	99.3415	99.6395
66.5	98.9489	98.2186	99.4046	99.674
66.583	99.0208	98.3182	99.4677	99.6964
66.667	99.0738	98.3864	99.5092	99.7102
66.75	99.123	98.4657	99.576	99.7378
66.833	99.1874	98.5487	99.6337	99.7568
66.917	99.2366	98.6261	99.6698	99.774
67	99.2858	98.7146	99.7257	99.793
67.083	99.3161	98.7755	99.7473	99.8051
67.167	99.354	98.8456	99.7635	99.8223
67.25	99.3843	98.9101	99.7761	99.8344
67.333	99.4108	98.9691	99.7851	99.8482
67.417	99.4354	99.006	99.814	99.8551
67.5	99.4581	99.0687	99.8356	99.8672
67.583	99.4827	99.1148	99.8518	99.8793
67.667	99.5111	99.1664	99.8608	99.8845
67.75	99.53	99.2088	99.8716	99.8897
67.833	99.5546	99.2586	99.877	99.8914
67.917	99.5811	99.3121	99.8824	99.8914
68	99.6114	99.36	99.8914	99.8948
68.083	99.6436	99.4079	99.895	99.9034
68.167	99.6512	99.4669	99.8986	99.912
68.25	99.6834	99.513	99.9076	99.9189
68.333	99.6891	99.5499	99.9148	99.9223
68.417	99.7061	99.5794	99.9166	99.9292
68.5	99.725	99.6015	99.931	99.9378
68.583	99.7401	99.6236	99.9418	99.9464
68.667	99.7496	99.6531	99.9436	99.9481
68.75	99.7553	99.6808	99.9454	99.9533
68.833	99.7667	99.6919	99.9526	99.9567
68.917	99.7762	99.7085	99.9562	99.9567
69	99.8046	99.7417	99.958	99.9636
69.083	99.816	99.773	99.9616	99.967
69.167	99.8293	99.8043	99.967	99.9687
69.25	99.8501	99.8301	99.9688	99.9721
69.333	99.8709	99.8578	99.9706	99.9755
69.417	99.8823	99.8891	99.9706	99.9841
69.5	99.8956	99.9131	99.976	99.9875
69.583	99.9051	99.9279	99.9778	99.9892
69.667	99.9108	99.9427	99.9814	99.9892
69.75	99.9127	99.9556	99.9832	99.9909
69.833	99.9203	99.9648	99.9868	99.9909
69.917	99.926	99.9703	99.9868	99.9926
70	99.9998	99.9998	99.9994	99.9995
	Women
62	3.6561	3.7071	3.6268	3.5341
62.083	56.1375	56.0614	55.1698	54.8216
62.167	58.5432	58.4344	57.5002	57.1225
62.25	60.3889	60.2268	59.2456	58.8039
62.333	61.8999	61.8257	60.7855	60.3169
62.417	63.2137	63.075	62.0471	61.6301
62.5	64.3126	64.1104	63.0747	62.7577
62.583	65.2671	65.0134	64.0676	63.7654
62.667	66.1617	65.9504	64.9877	64.7132
62.75	67.0352	66.8127	65.7782	65.5782
62.833	67.9334	67.6512	66.6794	66.5317
62.917	68.7787	68.4659	67.4857	67.3738
63	69.7297	69.4063	68.4501	68.4072
63.083	70.6525	70.3297	69.5347	69.4891
63.167	71.3499	71.0392	70.2461	70.217
63.25	72.0156	71.7046	70.8817	70.8393
63.333	72.558	72.2512	71.4635	71.4873
63.417	73.1638	72.8012	72.0896	72.0697
63.5	73.6921	73.2968	72.6271	72.6264
63.583	74.2099	73.8332	73.1836	73.1774
63.667	74.6819	74.2881	73.6389	73.6056
63.75	75.2525	74.8109	74.1227	74.0709
63.833	75.7914	75.2997	74.6571	74.6361
63.917	76.2141	75.7207	75.0808	75.0843
64	76.834	76.2435	75.6057	75.6552
64.083	77.3236	76.7867	76.2191	76.2747
64.167	77.8484	77.2722	76.6871	76.7943
64.25	78.2887	77.7339	77.1962	77.2653
64.333	78.7219	78.1243	77.6673	77.7192
64.417	79.1939	78.5894	78.1542	78.2216
64.5	79.7117	79.0681	78.6791	78.6955
64.583	80.2999	79.6384	79.2672	79.2436
64.667	81.4376	80.572	80.2601	80.2028
64.75	83.8926	82.8906	82.992	82.7834
64.833	86.2102	85.0361	85.4109	85.2242
64.917	88.3482	86.9066	87.4187	87.1368
65	96.8333	95.9129	96.1109	93.3343
65.083	97.1186	96.2422	96.4492	94.0308
65.167	97.3088	96.4459	98.027	96.012
65.25	97.499	96.6869	98.1756	96.3974
65.333	97.6822	96.9008	98.3179	98.0474
65.417	97.9041	97.0909	98.4191	98.1816
65.5	98.0485	97.2912	98.5424	99.0666
65.583	98.1894	97.4609	98.6531	99.1437
65.667	98.3268	97.6035	98.7574	99.2036
65.75	98.4219	97.7053	98.827	99.2521
65.833	98.5205	97.8513	98.9219	99.2892
65.917	98.5804	97.9531	99.0104	99.332
66	98.679	98.0957	99.1084	99.3663
66.083	98.7459	98.2111	99.1811	99.4034
66.167	98.8093	98.2858	99.2285	99.4234
66.25	98.8762	98.3809	99.2854	99.4491
66.333	98.9502	98.4827	99.3581	99.4948
66.417	99.003	98.5574	99.415	99.5205
66.5	99.0734	98.6423	99.4782	99.5519
66.583	99.1333	98.7136	99.5351	99.6033
66.667	99.1615	98.7577	99.573	99.6347
66.75	99.2038	98.812	99.6078	99.6518
66.833	99.2496	98.8595	99.6489	99.6775
66.917	99.2778	98.8968	99.6647	99.6946
67	99.3271	98.9579	99.69	99.7146
67.083	99.3835	99.036	99.7058	99.7203
67.167	99.4152	99.0767	99.7279	99.7431
67.25	99.4434	99.1276	99.7342	99.7517
67.333	99.461	99.1785	99.75	99.7717
67.417	99.4892	99.2158	99.769	99.786
67.5	99.5315	99.2633	99.7943	99.7917
67.583	99.5562	99.3074	99.8006	99.7974
67.667	99.5809	99.3583	99.8101	99.8003
67.75	99.6126	99.3956	99.8164	99.8089
67.833	99.6302	99.4431	99.8227	99.8118
67.917	99.6513	99.4872	99.8259	99.8175
68	99.6689	99.5211	99.8322	99.8204
68.083	99.6936	99.5449	99.8385	99.8347
68.167	99.7006	99.5687	99.8385	99.8433
68.25	99.7147	99.5959	99.8448	99.8462
68.333	99.7323	99.6265	99.8638	99.8491
68.417	99.7429	99.6503	99.8701	99.8548
68.5	99.7605	99.6639	99.8827	99.8691
68.583	99.7711	99.6945	99.8827	99.872
68.667	99.7852	99.7149	99.889	99.8749
68.75	99.7958	99.7285	99.8985	99.8835
68.833	99.8169	99.7591	99.9017	99.8864
68.917	99.831	99.7693	99.9049	99.8864
69	99.838	99.7863	99.9081	99.8864
69.083	99.845	99.8067	99.9113	99.895
69.167	99.845	99.8237	99.9113	99.8979
69.25	99.8626	99.8305	99.9208	99.9065
69.333	99.8661	99.8441	99.9271	99.9151
69.417	99.8802	99.8611	99.9271	99.918
69.5	99.8837	99.8883	99.9303	99.9209
69.583	99.8872	99.8985	99.9303	99.9295
69.667	99.8907	99.9223	99.9303	99.9324
69.75	99.8942	99.9257	99.9335	99.9353
69.833	99.8942	99.9291	99.943	99.9353
69.917	99.9048	99.9427	99.9462	99.9382
70	99.9999	100.0004	100	100.001
SOURCE: Authors' tabulations using active and inactive files of the Continuous Work History Sample, 2004; 1 percent Master Beneficiary Record extract based on Claim Account Number; and 1 percent Master Beneficiary Record extract based on Beneficiary Own Account Number for December 1999–2005 and June 2006.
a. Entitlement age is measured in 2-month increments; the notation "62.5" = 62 years and 6 months.

Table equivalent for Chart 6. Percentage distribution of fully insured men and women, by entitlement age, sex, and birth year
Entitlement age ^a	1930	1937	1940
	Men
62	3.3508	2.9412	2.5749
62.083	46.925	45.2271	42.3054
62.167	49.3338	47.4717	44.1704
62.25	51.1909	49.0971	45.5902
62.333	52.7385	50.3355	46.8897
62.417	54.5418	51.5481	48.0809
62.5	55.7529	52.593	49.2962
62.583	56.8026	53.5089	50.1986
62.667	57.8253	54.3474	51.0168
62.75	58.7942	55.2246	51.8952
62.833	59.7362	56.2566	52.8337
62.917	60.7051	57.0048	53.6399
63	61.849	57.9852	54.6025
63.083	62.9929	58.9914	55.529
63.167	63.733	59.5332	56.0584
63.25	64.5135	60.1137	56.8405
63.333	65.1325	60.6168	57.394
63.417	65.8726	61.0683	57.9956
63.5	66.4513	61.6359	58.6574
63.583	66.9492	62.1261	59.2229
63.667	67.5144	62.6163	59.7162
63.75	68.12	63.2226	60.1855
63.833	68.6987	63.7902	60.6427
63.917	69.3312	64.2675	61.112
64	70.0444	64.9641	61.8339
64.083	70.7845	65.5446	62.6521
64.167	71.3362	66.2154	63.0371
64.25	71.9283	66.783	63.5665
64.333	72.3858	67.5312	64.0478
64.417	73.0721	68.1633	64.505
64.5	73.8122	68.8728	65.0104
64.583	74.5658	69.5694	65.3954
64.667	76.0192	71.0142	66.1534
64.75	78.7241	75.039	68.1628
64.833	81.8058	78.522	70.3888
64.917	84.6991	81.0762	72.326
65	98.4388	99.3812	74.9972
65.083	98.8156	99.536	77.151
65.167	99.0444	99.6134	78.7633
65.25	99.327	99.6779	80.7486
65.333	99.5692	99.7682	82.4692
65.417	99.7441	99.8585	84.4184
65.5	99.9998	100.0004	100.0002
	Women
62	3.936	3.6617	3.1868
62.083	56.2724	52.5904	48.3993
62.167	58.2674	54.4292	50.4366
62.25	59.8131	55.7564	51.9791
62.333	61.1071	57.2754	53.3324
62.417	62.3113	58.2828	54.4674
62.5	63.156	59.3861	55.4424
62.583	64.0726	60.0737	56.5774
62.667	65.0072	61.0331	57.4942
62.75	65.798	61.9125	58.1781
62.833	66.6787	62.8879	59.1676
62.917	67.3796	63.6554	59.9388
63	68.2962	64.343	60.8556
63.083	69.1229	65.1585	61.8742
63.167	69.7879	65.7022	62.529
63.25	70.5607	66.3898	63.1402
63.333	70.992	66.9654	63.8096
63.417	71.3694	67.3651	64.3335
63.5	71.7648	67.9407	64.7992
63.583	72.2141	68.4844	65.3376
63.667	72.5915	69.0121	65.7014
63.75	73.1846	69.6517	66.1525
63.833	73.6339	70.3233	66.7346
63.917	74.1551	70.755	67.1712
64	74.6583	71.3626	67.8697
64.083	75.2334	72.0182	68.5391
64.167	75.7546	72.6098	69.1648
64.25	76.3657	73.1535	69.5286
64.333	77.0307	73.7771	69.9361
64.417	77.5339	74.4647	70.3872
64.5	78.1809	75.1363	70.6637
64.583	78.8459	75.8398	71.2167
64.667	80.1759	77.4867	71.9588
64.75	82.9617	81.724	74.4617
64.833	85.6756	84.6181	76.9355
64.917	87.8862	86.7607	78.9728
65	98.6878	99.2327	81.3884
65.083	98.9933	99.3606	83.091
65.167	99.0832	99.5365	84.5025
65.25	99.4427	99.6324	86.467
65.333	99.6943	99.7283	87.8349
65.417	99.892	99.8882	89.5666
65.5	99.9998	100.0001	100.0002
SOURCE: Authors' tabulations using active and inactive files of the Continuous Work History Sample, 2004; 1 percent Master Beneficiary Record extract based on Claim Account Number; and 1 percent Master Beneficiary Record extract based on Beneficiary Own Account Number for December 1999–2005 and June 2006.
a. Entitlement age is measured in 2-month increments; the notation "62.5" = 62 years and 6 months.

Table equivalent for Chart 7. Entitlement age distribution, by sex and birth year
Entitlement age ^a	1937	1938	1939	1940
	Men
62	2.9412	2.909	2.7401	2.5749
62.083	42.2859	40.9108	39.156	39.7305
62.167	2.2446	2.1849	2.2752	1.865
62.25	1.6254	1.8043	1.8226	1.4198
62.333	1.2384	1.2152	1.5535	1.2995
62.417	1.2126	1.1538	1.1254	1.1912
62.5	1.0449	1.0311	1.0642	1.2153
62.583	0.9159	0.6628	1.0398	0.9024
62.667	0.8385	0.8592	0.893	0.8182
62.75	0.8772	0.6874	0.893	0.8784
62.833	1.032	0.8592	0.9297	0.9385
62.917	0.7482	0.7733	0.7706	0.8062
63	0.9804	0.7856	1.0153	0.9626
63.083	1.0062	1.0433	0.844	0.9265
63.167	0.5418	0.5524	0.6116	0.5294
63.25	0.5805	0.8224	0.6728	0.7821
63.333	0.5031	0.5401	0.6606	0.5535
63.417	0.4515	0.5892	0.6116	0.6016
63.5	0.5676	0.491	0.526	0.6618
63.583	0.4902	0.5033	0.5749	0.5655
63.667	0.4902	0.5155	0.3547	0.4933
63.75	0.6063	0.5033	0.5382	0.4693
63.833	0.5676	0.4787	0.4893	0.4572
63.917	0.4773	0.7487	0.4281	0.4693
64	0.6966	0.6628	0.685	0.7219
64.083	0.5805	0.6383	0.5994	0.8182
64.167	0.6708	0.4787	0.5749	0.385
64.25	0.5676	0.491	0.4526	0.5294
64.333	0.7482	0.7119	0.4404	0.4813
64.417	0.6321	0.6874	0.6728	0.4572
64.5	0.7095	0.6874	0.5015	0.5054
64.583	0.6966	0.6383	0.6728	0.385
64.667	1.4448	1.0433	0.9419	0.758
64.75	4.0248	2.8231	2.1407	2.0094
64.833	3.483	3.0563	2.8502	2.226
64.917	2.5542	3.1668	2.5199	1.9372
65	18.305	3.5473	3.156	2.6712
65.083	0.1548	2.1971	2.1407	2.1538
65.167	0.0774	15.834	1.8593	1.6123
65.25	0.0645	0.356	2.0917	1.9853
65.333	0.0903	0.1964	15.5719	1.7206
65.417	0.0903	0.0859	0.2936	1.9492
65.5	0.1419	0.0736	0.2446	15.5818
	Women
62	3.6617	3.4933	2.9975	3.1868
62.083	48.9287	48.5607	46.2608	45.2125
62.167	1.8388	2.2939	1.8387	2.0373
62.25	1.3272	1.5292	1.3752	1.5425
62.333	1.519	0.9895	1.2515	1.3533
62.417	1.0074	0.8696	1.2052	1.135
62.5	1.1033	0.6897	0.9734	0.975
62.583	0.6876	0.8846	1.097	1.135
62.667	0.9594	0.5997	0.8344	0.9168
62.75	0.8794	0.7496	0.788	0.6839
62.833	0.9754	0.9295	0.7726	0.9895
62.917	0.7675	0.7346	0.6644	0.7712
63	0.6876	0.9595	0.8653	0.9168
63.083	0.8155	0.9445	1.0816	1.0186
63.167	0.5437	0.7196	0.6799	0.6548
63.25	0.6876	0.4648	0.6953	0.6112
63.333	0.5756	0.6447	0.5871	0.6694
63.417	0.3997	0.5847	0.6799	0.5239
63.5	0.5756	0.5097	0.7726	0.4657
63.583	0.5437	0.5397	0.5408	0.5384
63.667	0.5277	0.3898	0.3245	0.3638
63.75	0.6396	0.5697	0.4944	0.4511
63.833	0.6716	0.5097	0.6026	0.5821
63.917	0.4317	0.3598	0.4635	0.4366
64	0.6076	0.5397	0.618	0.6985
64.083	0.6556	0.6147	0.5717	0.6694
64.167	0.5916	0.2999	0.4172	0.6257
64.25	0.5437	0.5697	0.3554	0.3638
64.333	0.6236	0.5247	0.3708	0.4075
64.417	0.6876	0.4348	0.7417	0.4511
64.5	0.6716	0.6747	0.4944	0.2765
64.583	0.7035	0.7196	0.4944	0.553
64.667	1.6469	0.9445	1.0043	0.7421
64.75	4.2373	2.8186	2.7194	2.5029
64.833	2.8941	2.8186	2.6576	2.4738
64.917	2.1426	2.8336	2.4567	2.0373
65	12.472	2.6837	2.9512	2.4156
65.083	0.1279	1.8291	1.8232	1.7026
65.167	0.1759	11.5292	1.5451	1.4115
65.25	0.0959	0.1799	1.3752	1.9645
65.333	0.0959	0.2399	11.063	1.3679
65.417	0.1599	0.1349	0.2627	1.7317
65.5	0.1119	0.09	0.2318	10.4336
SOURCE: Authors' tabulations using active and inactive files of the Continuous Work History Sample, 2004; 1 percent Master Beneficiary Record extract based on Claim Account Number; and 1 percent Master Beneficiary Record extract based on Beneficiary Own Account Number for December 1999–2005 and June 2006.
a. Entitlement age is measured in 2-month increments; the notation "62.5" = 62 years and 6 months.

Table equivalent for Chart 8. Average age ^a at entitlement, by sex and birth year
Birth year	Men	Women
1928	63.1404	62.9834
1929	63.1252	62.9349
1930	63.0892	62.9187
1931	63.0373	62.9110
1932	63.0618	62.9000
1933	63.0793	62.9451
1934	63.1492	62.9594
1935	63.2183	63.0080
1936	63.2221	63.0213
1937	63.2061	63.0172
1938	63.2910	63.0775
1939	63.3602	63.1639
1940	63.4149	63.2054
SOURCE: Authors' tabulations using active and inactive files of the Continuous Work History Sample, 2004; 1 percent Master Beneficiary Record extract based on Claim Account Number; and 1 percent Master Beneficiary Record extract based on Beneficiary Own Account Number for December 1999–2005 and June 2006.
a. Average age at entitlement shown in years and months and measured in 1-month increments.