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You can start receiving your Social Security retirement benefits as early as age 62. However, you are entitled to full benefits only when you reach your full retirement age. If you delay taking your benefits from your full retirement age up to age 70, your benefit amount will increase.
The normal retirement age (NRA) is the age at which retirement benefits (before rounding) are equal to the "primary insurance amount." The table below shows how NRA varies by year of birth for retirees.
You can start receiving your Social Security retirement benefit as early as age 62. But we will reduce your benefits by as much as 30% below what you would get if you waited to begin receiving benefits until your full retirement age .
Use the Social Security full retirement age calculator to find out when you are eligible for unreduced retirement benefits based on your birth year.
If you were born in 1960 your full retirement age is 67. Find out how your Social Security benefits will be affected based on when you begin receiving benefits.
You can get Social Security retirement benefits as early as age 62. However, we’ll reduce your benefit if you start receiving benefits before your full retirement age. Visit our website to learn how claiming retirement benefits early will affect your benefit amount.
If you were born between 1943 and 1954 your full retirement age is 66. Find out how your Social Security benefits will be affected if you apply before your full retirement age.
However, if you enter a date before you are eligible for benefits, we will assume you want to start receiving benefits at the earliest possible age (age 62). Note that using this option gives only one benefit estimate.
The maximum benefit depends on the age you retire. For example, if you retire at full retirement age in 2024, your maximum benefit would be $3,822. However, if you retire at age 62 in 2024, your maximum benefit would be $2,710. If you retire at age 70 in 2024, your maximum benefit would be $4,873.
The current full retirement age is 67 years old for people attaining age 62 in 2024. (The age for Medicare eligibility remains at 65.) See Benefits By Year Of Birth for more information.