62歲拿 vs full retirement age ， 70% vs 100%

How to find your full retirement age. If you were born in 1960 or later, your full retirement age is 67. However, if you were born before 1960, your full retirement age will be earlier. Use the table below to find out when you can get 100% of your Social Security retirement benefit

 

 

Is it better to take Social Security at 62 or 67?

 

 

That leads us to the second major reason why holding off until age 67 to collect Social Security benefits makes sense: Your monthly benefit will be higher. SSA will reduce your Social Security benefit by five-ninths of 1% per month for early retirement up to 36 months before your full retirement age.