Benefits at 62, 67, and 70 — see the real dollar difference and which claiming age wins for you.
SmartAsset matches you with 3 fiduciary financial advisors in your area who can optimize your Social Security claiming strategy.
Find a Retirement Advisor →| Claiming Age | % of Full Benefit | Notes |
|---|---|---|
| 62 | 70% | Earliest possible; 30% permanent reduction |
| 65 | 88% | Medicare eligibility starts; partial reduction |
| 67 (FRA) | 100% | Full retirement age for those born 1960+ |
| 70 | 124% | Maximum; 8% per year delayed credits |