Social Security Choices

When Can You Get Benefits?

You can claim a spousal benefit as early as age 62, provided the principal beneficiary is receiving benefits. However, you maximize your spousal benefit by taking it at your full retirement age, presently 66 for most people.

The question of "when should you get benefits" is much more difficult to answer. We can help with our custom Social Security Retirement and Spouse Benefit Analysis!

Full Retirement Age by Year of Birth
Year of Birth Full Retirement Age
1937 or earlier 65
1938 65 and 2 months
1939 65 and 4 months
1940 65 and 6 months
1941 65 and 8 months
1942 65 and 10 months
1943-1954 66
1955 66 and 2 months
1956 66 and 4 months
1957 66 and 6 months
1958 66 and 8 months
1959 66 and 10 months
1960 and later 67