40 Credits Mean Full Insured Status:

Yes, if you have 40 Social Security work credits, you can claim Social Security retirement benefits at any time, but you can start receiving them as early as age 62. However, starting early will result in a reduced monthly benefit amount compared to claiming them at your full retirement age, which is 67 for those born in 1960 or later. 

那個所謂的curve, 是你能夠獲得的benefits by age since 62. It doesn't mean you have to work for 35 years to have a full beneift. 

 

所有跟帖： 

• 完全理解錯了啊！40個點是起點，夠格領取。67歲可領由總貢獻計算出的全額，62-70之間領取的數額是全額的一定比例。 -肖莊- ♀ (0 bytes) () 05/12/2025 postreply 14:17:44

• 是兩條線：一條根據貢獻計算67歲的全額退休金；另一條是開始領取的年齡，根據離67的距離算折扣。 -肖莊- ♀ (0 bytes) () 05/12/2025 postreply 14:19:49

• 你理解的不對 -#文化人#- ♂ (26 bytes) () 05/12/2025 postreply 14:19:24