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You can't receive "full" Social Security benefits until you reach your "Full Retirement Age" (FRA). FRA is increasing for those who were born later.
|
Year of Birth |
Full Retirement Age |
|---|---|
|
1943-1954 |
66 |
|
1955 |
66 and 2 months |
Your Social Security retirement benefit largely depends on the following four factors :
* Your work history => Longer yields a higher benefit
* Your earnings history => Higher earnings yields higher benefit (at decreasing rate)
* Your birth year => Born earlier means higher relative benefit
* Your claiming age => Starting benefits later means higher benefit
Interesting article which looks at how Social Security may fare in the year 2035.
Highlights :
* The worker-to-beneficiary ratio will drop from 2018's 2.8 to 2.2-to-1.
* Workers will have to wait longer to receive "full" benefits
* Social Security's "trust fund" will be exhausted
* Substantial benefit cuts may be needed
* Payroll taxes will be critical to pay for benefits
* Social Security benefits will continue to decline due to inflation
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