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Full retirement age is the age when you are entitled to 100 percent of your social security benefits, which are determined by your lifetime earnings. That’s because social security pays benefits a month behind, so your benefit for, say, june 2025 will arrive in july. You’ll reach full retirement age in 2025 if you were born between may 2, 1958, and feb
Under current law, fra will be 67 for people born in 1960 or later If you set benefits to begin at full retirement age (fra) — 66 and 8 months for people born in 1958, 66 and 10 months for those born in 1959 and 67 for people born in 1960 and later — your first payment generally will arrive in the month after you attain that age You can start collecting retirement benefits before fra — the minimum age is 62 — but you’ll take a benefit hit and lock it in.
What happens if you start social security at 62
If you begin benefits before your full retirement age, social security reduces your monthly payment by a fraction of a percent for each month you filed early You can start collecting retirement benefits before fra — the minimum age is 62 — but your monthly payment will be permanently reduced, by as much as 30 percent You can also wait past fra and reap social security's bonus for delaying benefits An extra 8 percent a year until age 70, when you can claim your maximum benefit.
The basics of social security retirement benefits, including how benefits work, how payments are calculated and awarded, and what you need to apply. After you reach full retirement age, you have the option of temporarily suspending your benefits During a suspension you can rack up delayed retirement credits, which will increase your eventual payments Andy markowitz is a writer and editor for aarp, covering social security and fraud.
Easily calculate how much retirement income you need from your savings, 401 (k), social security benefits and more with this retirement calculator.
If you file for social security before full retirement age, the benefit reduction is based on how many months you claimed early retirement.
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