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Social Security Full Retirement Age
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The decision to start claiming Social Security benefits is not one to be taken lightly. Claiming Social Security isn't the same thing as depositing a refund check you received in the mail, or cashing out a bond. The age at which you first claim Social Security will dictate how much money you'll receive in benefits for the rest of your life, and while 66 is a smart age for some people to start taking benefits, others would be wise to wait longer. Here's a snapshot of how Social Security works : If you work and pay into the system, you become eligible to receive your benefits in full once you hit what's known as your full retirement age. For those born between and , the full retirement age is Anyone born in or after , meanwhile, will have a full retirement age of
Social Security provides critical benefits for millions of retirees, but what many workers don't realize is that the age you claim Social Security can impact the amount you receive each month in benefits. Though you're allowed to start collecting benefits as early as age 62, if you want to receive your full benefit, you'll need to wait until your full retirement age to make that claim. Your full retirement age is determined by the Social Security Administration based on when you were born. If your year of birth is , your full retirement age is If you were born in or later, your full retirement age is
Full Retirement Age FRA is not the same age for everyone, as it is determined by your day and year of birth. It is the age at which you are eligible to receive your "full" amount of Social Security benefits. Social Security considers you to have attained an age the day before your birthday, so the calendar years in the table below apply to someone born on January 2 of that year to someone born on January 1 of the following year. Keeping that in mind, here is FRA by year of birth:. When determining your Full Retirement Age, as noted above, it is important to know that according to the Social Security rules, you are considered to attain an age the day before your birthday. If you were born on the first of the year, use the FRA for the year before your year of birth.
What’s My Full Retirement Age?
Full retirement age is the age at which a person may first become entitled to full or unreduced retirement benefits., Determining the best time for you to begin receiving Social Security benefits has become a more complex endeavor in recent decades.
In order to qualify for Social Security you have to have worked can delay claiming Social Security benefits, person born in , whose full retirement age.
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