what age can you begin to collect social security?
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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 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.
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Early retirement 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. For example, if you turn age 62 in 2020, your benefit would be about 28.3 percent lower than it would be at your full retirement age of 66 and 8 months.
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The original age to claim Social Security payments was 65. A 1961 law allowed workers to begin claiming permanently reduced Social Security payments as early as age 62.
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For example, the earliest age you can collect your Social Security retirement benefits is 62,1﻿ but there is an exception for widows and widowers, who can begin benefits as early as 60. 2﻿ If you start collecting benefits early and continue to work, your benefits may be reduced.
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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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You can claim Social Security retirement benefits at any time after reaching 62 years of age. If you start receiving benefits before you hit full retirement age, or FRA (currently 66 and gradually rising to 67), they will be reduced a fraction of a percent for each month before FRA that you filed.
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If you're getting Social Security retirement benefits, some members of your family may also get benefits, including: Spouses age 62 or older. Spouses younger than 62, if they are taking care of a child entitled on your record who is younger than age 16 or disabled.
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Applications for Social Security benefits can only be processed a maximum of four months before benefits are scheduled to begin. Thus, the earliest you can apply is age 61 and nine months, and you can expect to receive your first payment four months later—the month after your birthday.
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By now, you may have heard: 70 is the best age for claiming Social Security benefits. Here's why. Because you have already reached your full retirement age — age 66 or 67 for most — you'll receive 100% of the benefits you are entitled to.
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If you were born in 1957 your full retirement age is 66 and 6 months. 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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Here's the short answer. You can start receiving retirement benefits as early as age 62, but benefits are reduced if one takes benefits prior to full retirement age. For anyone born in 1960 or later, full retirement age is 67.
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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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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. ... There is no additional benefit increase after you reach age 70, even if you continue to delay starting 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. For example, if you turn age 62 in 2020, your benefit would be about 28.3 percent lower than it would be at your full retirement age of 66 and 8 months.
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Key Takeaways. Social Security retirement benefits start as early as age 62, but the benefits are permanently reduced unless you wait until the full retirement age of 66 or 67. Payments are for life.
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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.
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You can check on your eligibility, earnings history and estimated future benefits on the Social Security statement at your online My Social Security account. While you can start collecting retirement benefits at age 62, your payments are reduced if you claim them before reaching full retirement age.