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Full Retirement Age | |||||
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Find Your Retirement Age |
No matter what your full retirement age is, you may start receiving benefits as early as age 62.Note: If you were born on January 1st of any year you should refer to the previous year in the chart below. |
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If you retire earlyYou can also retire at any time between age 62 and full retirement age. However, if you start at one of these early ages, your benefits are reduced a fraction of a percent for each month before your full retirement age. As a general rule, early retirement will give you about the same total Social Security benefits over your lifetime, but in smaller amounts to take into account the longer period you will receive them. Note: If your
birthday is on the 1st of the month, we figure the benefit as if your
birthday was the previous month. |
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Pros and ConsThere are disadvantages and advantages to taking
your benefit before your full retirement age. The advantage is that you
collect benefits for a longer period of time. The disadvantage is that
your benefit is permanently reduced. Each person's situation is different,
so make sure you contact Social Security before you decide to retire.
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