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Claiming Social Security Benefits Before Full Retirement Age Skip to content

Find answers to your Social Security questions in the AARP Social Security resource center.


What is the impact on benefits if I claim before my full retirement age?

En español | The earlier you begin benefits, the lower your monthly check. Suppose you are due $1,000 a month if you begin benefits at full retirement age, which is currently 66. If you begin instead at 62, the earliest possible age, you will receive $750.

If you wait beyond your full retirement age, your benefit will rise at about 8 percent a year until age 70. Instead of $1,000 at full retirement age, you would collect $1,320 at age 70.

Published October 10, 2018

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