what age can i apply for my social security?
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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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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'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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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.
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You can apply online for Retirement or spouse's benefits or continue an application you already started. You must be at least 61 years and 9 months old and want your benefits to start no more than four months in the future. If you are almost 65, your application for benefits will include Medicare.
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If you aren't eligible for full Social Security retirement benefits at age 65, and you aren't getting Social Security benefits, you can still get your full Medicare benefits (including premium-free Part A) at age 65, but you must contact Social Security to sign up.
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If you claim Social Security at age 62, rather than wait until your full retirement age (FRA), you can expect up to a 30% reduction in monthly benefits. For every year you delay claiming Social Security past your FRA up to age 70, you get an 8% increase in your benefit.
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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. ... Spousal benefits can begin at 62, as long as the spouse on whose work record you are claiming them is receiving retirement benefits.
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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.
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You Can Receive Benefits Before Your Full Retirement Age 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 | Essentially, yes. You can claim Social Security retirement benefits at any time after reaching 62 years of age. ... So if a person retires at, say, age 62 and six months, the benefit is, in effect, prorated — the person is credited for waiting six months after becoming eligible.
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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.
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The decision of when to take Social Security is highly dependent on your circumstances. You can start taking it as early as age 62 (or earlier if you are a survivor of another Social Security claimant or on disability), wait until you've reached full retirement age or even until age 70.
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You can file up to four months before that, which gives Social Security ample time to process your application. As the minimum age to collect retirement benefits is 62, the earliest you can apply is when you reach 61 years and 9 months.
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Ready To Start Medicare? If you'll turn 65 within three months, you can use our online application to apply for Medicare and Social Security retirement benefits at the same time, or you can use it to apply for just Medicare.
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If you're at least 62 years of age, you can collect Social Security and continue to work. 1﻿ But unless you've reached full retirement age, you'll be doubly penalized: By taking Social Security early, you'll be accepting a benefit that is permanently reduced by about 30%.
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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.