Full Retirement Age: If You Were Born In 1960 Or Later
Your full retirement age Is 67
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 70% of the monthly benefit because you will be getting benefits for an additional 60 months.
- age 65, you will get 86.7% of the monthly benefit because you will be getting benefits for an additional 24 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 32.5% of the monthly benefit instead of 50% because you will be getting benefits for an additional 60 months.
- age 65, you will get 41.7% of the monthly benefit instead of 50% because you will be getting benefits for an additional 24 months.
If you start getting benefits at age* |
And you are the . . . |
|
---|---|---|
Wage Earner, the Retirement Benefit you will receive is reduced to |
Spouse, the Retirement Benefit you will receive is reduced to |
|
62 | 70.0% | 32.5% |
62 + 1 month | 70.4 | 32.7 |
62 + 2 months | 70.8 | 32.9 |
62 + 3 months | 71.3 | 33.1 |
62 + 4 months | 71.7 | 33.3 |
62 + 5 months | 72.1 | 33.5 |
62 + 6 months | 72.5 | 33.8 |
62 + 7 months | 72.9 | 34.0 |
62 + 8 months | 73.3 | 34.2 |
62 + 9 months | 73.8 | 34.4 |
62 + 10 months | 74.2 | 34.6 |
62 + 11 months | 74.6 | 34.8 |
63 | 75.0 | 35.0 |
63 + 1 month | 75.4 | 35.2 |
63 + 2 months | 75.8 | 35.4 |
63 + 3 months | 76.3 | 35.6 |
63 + 4 months | 76.7 | 35.8 |
63 + 5 months | 77.1 | 36.0 |
63 + 6 months | 77.5 | 36.3 |
63 + 7 months | 77.9 | 36.5 |
63 + 8 months | 78.3 | 36.7 |
63 + 9 months | 78.8 | 36.9 |
63 + 10 months | 79.2 | 37.1 |
63 + 11 months | 79.6 | 37.3 |
64 | 80.0 | 37.5 |
64 + 1 month | 80.6 | 37.8 |
64 + 2 months | 81.1 | 38.2 |
64 + 3 months | 81.7 | 38.5 |
64 + 4 months | 82.2 | 38.9 |
64 + 5 months | 82.8 | 39.2 |
64 + 6 months | 83.3 | 39.6 |
64 + 7 months | 83.9 | 39.9 |
64 + 8 months | 84.4 | 40.3 |
64 + 9 months | 85.0 | 40.6 |
64 + 10 months | 85.6 | 41.0 |
64 + 11 months | 86.1 | 41.3 |
65 | 86.7 | 41.7 |
65 + 1 month | 87.2 | 42.0 |
65 + 2 months | 87.8 | 42.4 |
65 + 3 months | 88.3 | 42.7 |
65 + 4 months | 88.9 | 43.1 |
65 + 5 months | 89.4 | 43.4 |
65 + 6 months | 90.0 | 43.8 |
65 + 7 months | 90.6 | 44.1 |
65 + 8 months | 91.1 | 44.4 |
65 + 9 months | 91.7 | 44.8 |
65 + 10 months | 92.2 | 45.1 |
65 + 11 months | 92.8 | 45.5 |
66 | 93.3 | 45.8 |
66 + 1 month | 93.9 | 46.2 |
66 + 2 months | 94.4 | 46.5 |
66 + 3 months | 95.0 | 46.9 |
66 + 4 months | 95.6 | 47.2 |
66 + 5 months | 96.1 | 47.6 |
66 + 6 months | 96.7 | 47.9 |
66 + 7 months | 97.2 | 48.3 |
66 + 8 months | 97.8 | 48.6 |
66 + 9 months | 98.3 | 49.0 |
66 + 10 months | 98.9 | 49.3 |
66 + 11 months | 99.4 | 49.7 |
67 | 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. |