at what age can you file for social security benefits?
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How Early Can I Apply? Apply four months before you want your Social Security retirement benefits to start. If you want your benefits to start at age 62, you can apply at age 61 and eight months.
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If you are at least age 65, you may be eligible for cash benefits on your own record. If you are full retirement age or older, you can work and receive your monthly Social Security benefits, no matter how much you earn. ... If you have worked, you may be eligible for a higher retirement benefit based on your own work.
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If you work and are full retirement age or older, you can earn as much as you want and your benefits will not be reduced. However, individuals may begin taking Social Security retirement benefits early beginning at age 62.
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Also, beware, for upcoming retirees full retirement age for your Social Security benefits is NOT 65 - it is age 66 or later. 7﻿ For most of you this means even if you retire at 65, you'll be best off waiting a year or so before beginning your Social Security benefits.
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Social Security If you wait until age 70 to start your benefits, your benefit amount will be higher because you will receive delayed retirement credits for each month you delay filing for benefits. There is no additional benefit increase after you reach age 70, even if you continue to delay starting benefits.
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At 65 to 67, depending on the year of your birth, you are at full retirement age and can get full Social Security retirement benefits tax-free. However, if you're still working, part of your benefits might be subject to taxation. The IRS adds the figures for your earnings and half your Social Security benefits.
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You can get Social Security retirement benefits as early as age 62. However, we'll reduce your benefit if you retire before your full retirement age. ... But if they do, the years with no earnings will probably mean a lower Social Security benefit when they retire.
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Currently, Social Security pays dependent or survivor benefits only to students attending classes at grade 12 and below. Generally, benefits stop when a student reaches 18, unless the student is disabled or is still attending a secondary school — grade 12 or below — on a full-time basis.
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You can start your retirement benefits as early as age 62 or as late as age 70. If you're preparing to apply for retirement benefits, knowing when you're eligible to apply and how the system works are the first steps in choosing what age is right for you.
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To create a my Social Security account, you must be at least 18 years old and have: A valid email address; • A Social Security number; and • A U.S. mailing address. You may have been given a letter with an activation code to complete the creation of your my Social Security account.
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Social Security requires a minimum of 40 credits for retirement benefits, whether you take early retirement at age 62 or wait until your full retirement age which can vary from 65 to 67, depending on the year of your birth. If you don't have the 40 credits, you don't draw any retirement.
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You can start your Social Security retirement benefits as early as age 62, but the benefit amount you receive will be less than your full retirement benefit amount.
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For social security income, the youngest age you can apply is 61 years and nine months old. You'd then receive your first SS check four months later—the month after your 62nd birthday. It is recommended you apply three months in advance of when you would like to start receiving the checks.
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You can start receiving your Social Security retirement benefits as early as age 62, but the benefit amount will be lower than your full retirement benefit amount.
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En español | The earliest you can start collecting retirement benefits is age 62. You can apply once you reach 61 years and 9 months of age. However, Social Security reduces your payment if you start collecting before your full retirement age, or FRA.
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At 65 to 67, depending on the year of your birth, you are at full retirement age and can get full Social Security retirement benefits tax-free.
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You can start your retirement benefit at any point from age 62 up until age 70, and your benefit will be higher the longer you delay starting it.