When you can obtain full retirement, benefits are determined by your date of birth. If you were born between 1943 and 1954, full retirement age is 66. Between 1955 and 1959, full retirement gradually climbs toward 67 if your birthday falls between 1955 and 1959. For those born in 1960 or later, full retirement age is 67. When you turn 62, you can apply for Social Security retirement benefits but, taking benefits before your full retirement age results in a reduction of as much as 25% of your benefit. Further, this reduction would be permanent. If you have any questions about Social Security, you should consult an experienced Social Security attorney.
-Kent S. DeJean