Your full retirement age is 66 and 4 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 73.3% of the monthly benefit because you will be getting benefits for an additional 52 months.
  • age 65, you will get 91.1% of the monthly benefit because you will be getting benefits for an additional 16 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. If you start receiving benefits at

  • age 62, you will get 34.2% of the monthly benefit instead of 50% because you will be getting benefits for an additional 52 months.
  • age 65, you will get 44.4% of the monthly benefit instead of 50% because you will be getting benefits for an additional 16 months.
How Your Social Security Benefit Is Reduced
62  73.3%  34.2%
62 + 1 month 73.8 34.4
62 + 2 months 74.2 34.6
62 + 3 months 74.6 34.8
62 + 4 months 75.0 35.0
62 + 5 months 75.4 35.2
62 + 6 months 75.8 35.4
62 + 7 months 76.3 35.6
62 + 8 months 76.7 35.8
62 + 9 months 77.1 36.0
62 + 10 months 77.5 36.3
62 + 11 months 77.9 36.5
63 78.3 36.7
63 + 1 month 78.8 36.9
63 + 2 months 79.2 37.1
63 + 3 months 79.6 37.3
63 + 4 months 80.0 37.5
63 + 5 months 80.6 37.8
63 + 6 months 81.1 38.2
63 + 7 months 81.7 38.5
63 + 8 months 82.2 38.9
63 + 9 months 82.8 39.2
63 + 10 months 83.3 39.6
63 + 11 months 83.9 39.9
64 84.4 40.3
64 + 1 month 85.0 40.6
64 + 2 months 85.6 41.0
64 + 3 months 86.1 41.3
64 + 4 months 86.7 41.7
64 + 5 months 87.2 42.0
64 + 6 months 87.8 42.4
64 + 7 months 88.3 42.7
64 + 8 months 88.9 43.1
64 + 9 months 89.4 43.4
64 + 10 months 90.0 43.8
64 + 11 months 90.6 44.1
65 91.1 44.4
65 + 1 month 91.7 44.8
65 + 2 months 92.2 45.1
65 + 3 months 92.8 45.5
65 + 4 months 93.3 45.8
65 + 5 months 93.9 46.2
65 + 6 months 94.4 46.5
65 + 7 months 95.0 46.9
65 + 8 months 95.6 47.2
65 + 9 months 96.1 47.6
65 + 10 months 96.7 47.9
65 + 11 months 97.2 48.3
66 97.8 48.6
66 + 1 month 98.3 49.0
66 + 2 months 98.9 49.3
66 + 3 months 99.4 49.7
66 + 4 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.