how to apply for social security benefits at age 62

how to apply for social security benefits at age 62插图

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  • How much will I receive in Social Security benefits at age 62?

  • At age 62, the earliest point at which most people can claim benefits, you鈥檒l receive around 70 percent of the amount that you would receive at your Full Retirement Age. If you were born in 1958, and your full benefit at retirement would be $1,000 a month, you would shrink your benefit to around $700 a month by retiring at age 62.

  • Can you file Social Security early if you turn 62?

  • Calculating how much your benefit will be reduced for early filing can also get a little tricky when trying to file as soon as you turn 62. Those born after the second day of the month won鈥檛 be eligible for benefits until the following month, but the SSA still views your age as 62 and 1 month 鈥?thus slightly increasing your benefit payment.

  • How old do you have to be to get Social Security benefits?

  • You must be at least 61 years and 9 months old to apply for retirement benefits, though if you are already age 62, you may be able to start your benefits in the month you apply. Benefits are paid the month after they are due, so if your benefit starts in June, you will receive it in July.

  • What should I do before applying for Social Security retirement benefits?

  • Before you apply, take time to review the basics, understand the process, and gather the documents you鈥檒l need to complete an application. You can start your retirement benefits as early as age 62 or as late as age 70.

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