If you were born in 1937 or earlier...

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Your full retirement age is 65

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 80% of the monthly benefit because you will be getting benefits for an additional 36 months.

If you start receiving benefits as a spouse at

your full retirement age, you will get 50% of the monthly benefit your spouse would receive if his or her benefits started at full retirement age.
age 62, you will get 37.5% of the monthly benefit instead of 50% because you will be getting benefits for an additional 36 months.

Note: If you qualify for benefits as a Survivor, your full retirement age may be different.

Full retirement age goes from 65 to.... 66.... 67

**How Your Social Security Benefit is Reduced**
If you start getting benefits at age*	And you are the . . .
If you start getting benefits at age*	Wage Earner, the Retirement Benefit you will receive is reduced to	Spouse, the Retirement Benefit you will receive is reduced to
62	80.0%	37.5%
62 + 1 month	80.6	37.8
62 + 2 months	81.1	38.2
62 + 3 months	81.7	38.5
62 + 4 months	82.2	38.9
62 + 5 months	82.8	39.2
62 + 6 months	83.3	39.6
62 + 7 months	83.9	39.9
62 + 8 months	84.4	40.3
62 + 9 months	85.0	40.6
62 + 10 months	85.6	41.0
62 + 11 months	86.1	41.3
63	86.7	41.7
63 + 1 month	87.2	42.0
63 + 2 months	87.8	42.4
63 + 3 months	88.3	42.7
63 + 4 months	88.9	43.1
63 + 5 months	89.4	43.4
63 + 6 months	90.0	43.8
63 + 7 months	90.6	44.1
63 + 8 months	91.1	44.4
63 + 9 months	91.7	44.8
63 + 10 months	92.2	45.1
63 + 11 months	92.8	45.5
64	93.3	45.8
64 + 1 month	93.9	46.2
64 + 2 months	94.4	46.5
64 + 3 months	95.0	46.9
64 + 4 months	95.6	47.2
64 + 5 months	96.1	47.6
64 + 6 months	96.7	47.9
64 + 7 months	97.2	48.3
64 + 8 months	97.8	48.6
64 + 9 months	98.3	49.0
64 + 10 months	98.9	49.3
64 + 11 months	99.4	49.7
65	100.0	50.0
*If your birthday is on the 1st of the month, we figure your benefit as if your birthday were the previous month.

Click here for a chart of retirement benefits and reductions based on different years of birth.


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If you were born in 1937 or earlier...

Your full retirement age is 65

How Your Social Security Benefit is Reduced