Social Security

Your full retirement age is 66 and 8 months

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 71.7% of the monthly benefit because you will be getting benefits for an additional 56 months.
• age 65, you will get 88.9% of the monthly benefit because you will be getting benefits for an additional 20 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 33.3% of the monthly benefit instead of 50% because you will be getting benefits for an additional 56 months.
• age 65, you will get 43.1% of the monthly benefit instead of 50% because you will be getting benefits for an additional 20 months.

How Your Social Security Benefit Is Reduced

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	71.7%	33.3%
62 + 1 month	72.1	33.5
62 + 2 months	72.5	33.8
62 + 3 months	72.9	34.0
62 + 4 months	73.3	34.2
62 + 5 months	73.8	34.4
62 + 6 months	74.2	34.6
62 + 7 months	74.6	34.8
62 + 8 months	75.0	35.0
62 + 9 months	75.4	35.2
62 + 10 months	75.8	35.4
62 + 11 months	76.3	35.6
63	76.7	35.8
63 + 1 month	77.1	36.0
63 + 2 months	77.5	36.3
63 + 3 months	77.9	36.5
63 + 4 months	78.3	36.7
63 + 5 months	78.8	36.9
63 + 6 months	79.2	37.1
63 + 7 months	79.6	37.3
63 + 8 months	80.0	37.5
63 + 9 months	80.6	37.8
63 + 10 months	81.1	38.2
63 + 11 months	81.7	38.5
64	82.2	38.9
64 + 1 month	82.8	39.2
64 + 2 months	83.3	39.6
64 + 3 months	83.9	39.9
64 + 4 months	84.4	40.3
64 + 5 months	85.0	40.6
64 + 6 months	85.6	41.0
64 + 7 months	86.1	41.3
64 + 8 months	86.7	41.7
64 + 9 months	87.2	42.0
64 + 10 months	87.8	42.4
64 + 11 months	88.3	42.7
65	88.9	43.1
65 + 1 month	89.4	43.4
65 + 2 months	90.0	43.8
65 + 3 months	90.6	44.1
65 + 4 months	91.1	44.4
65 + 5 months	91.7	44.8
65 + 6 months	92.2	45.1
65 + 7 months	92.8	45.5
65 + 8 months	93.3	45.8
65 + 9 months	93.9	46.2
65 + 10 months	94.4	46.5
65 + 11 months	95.0	46.9
66	95.6	47.2
66 + 1 month	96.1	47.6
66 + 2 months	96.7	47.9
66 + 3 months	97.2	48.3
66 + 4 months	97.8	48.6
66 + 5 months	98.3	49.0
66 + 6 months	98.9	49.3
66 + 7 months	99.4	49.7
66 + 8 months	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.