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Full retirement age is the age at which a person may first become entitled to full or unreduced retirement benefits.
If your full retirement age is older than 65 (that is, you were born after 1937), you still will be able to take your benefits at age 62, but the reduction in your benefit amount will be greater than it is for people who were born before 1938.
Here’s how it works if your full retirement age is 67 (born in 1960 or later)
(Called “full retirement age” or “normal retirement age.”)
The earliest you can start receiving Social Security retirement benefits will remain age 62.
Note: If you delay your retirement benefits until after full retirement age, you may also may be eligible for delayed retirement credits that would increase your monthly benefit. If you decide to delay your retiremetn, be sure to sign up for Medire at age 65.
In some circumstances, medical insuranc costs more if you delay applying for it.
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