Claiming Rules
Optimal Age to Claim Social Security Retirement Benefits
Verified against SSA POMS as of September 18, 2026
The short answer
Claiming Social Security benefits involves choosing the right age to optimize benefits. Benefits can begin as early as age 62 but are reduced compared to claiming at your full retirement age (FRA), which is between 65 and 67 depending on your birth year. Delayed retirement credits can increase benefits if you wait until after reaching FRA, up until age 70. Consider personal factors and life expectancy when deciding.
Full Retirement Age (FRA) and Its Impact
The Full Retirement Age (FRA) for Social Security benefits varies by birth year. Those born before 1/2/1938 have an FRA of 65, while those born after 1/1/1962 have an FRA of 67. For those born between these dates, FRA gradually increases from 65 to 67. This impacts the amount of benefits received if claimed before or after reaching FRA. (RS 00615.004)
RS 00615.004 View source ›Delayed Retirement Credits
Delayed Retirement Credits (DRCs) increase your old-age Social Security benefit amount for each month you delay receiving benefits beyond your Full Retirement Age (FRA), up to age 70. The DRC is typically 8% per year for those born after 01/01/1943. (20 CFR 404.313)
20 CFR 404.313 View source ›RS 00615.692DImpact of Early Filing on Benefits
Claiming benefits as early as age 62 results in a permanent reduction of the monthly benefit amount. For example, someone born from 1943 through 1954 would receive only 75% of their primary insurance amount if starting benefits at age 62. (RS 00615.105)
RS 00615.105 View source ›Factors Affecting When to Claim
Choosing when to begin Social Security benefits involves several factors, including life expectancy, health status, and retirement plans. Tools and publications like the mySSA Retirement Calculator can assist in decision-making. (GN 00204.039)
GN 00204.039 View source ›Frequently asked
What happens if I claim Social Security at 62?
If you claim Social Security retirement benefits at age 62, your monthly payments will permanently be reduced compared to what you would receive if you wait until your full retirement age.
How does delaying Social Security benefits affect payments?
Delaying Social Security benefits past your full retirement age increases your benefits due to Delayed Retirement Credits, up until age 70.
Can I change my Social Security claim date after applying?
In certain circumstances, you may be able to withdraw your application for Social Security benefits within 12 months of first receiving them, if you pay back any benefits received.
How do I calculate my full retirement age for Social Security?
Your full retirement age depends on your birth year. It ranges from 65 for those born before 1/2/1938 to 67 for those born after 1/1/1960.