What is the full retirement age to collect Social Security?
Aria Murphy 
66
The full retirement age is 66 if you were born from 1943 to 1954. The full retirement age increases gradually if you were born from 1955 to 1960 until it reaches 67. For anyone born 1960 or later, full retirement benefits are payable at age 67.
What are the rules for collecting Social Security?
You can receive Social Security benefits based on your earnings record if you are age 62 or older, or disabled or blind and have enough work credits. Family members who qualify for benefits on your work record do not need work credits.
Can a retired person also collect Social Security disability?
If you do collect SSDI disability benefits, they will be converted to retirement benefits when you reach full retirement age. The only exception is for an individual who took early retirement through Social Security, which is possible at 62, before being approved for disability benefits. Disabled before early retirement benefits start.
What happens if you start collecting Social Security before full retirement age?
However, Social Security reduces your payment if you start collecting before your full retirement age, or FRA. (FRA is currently 66 and 2 months and is gradually rising to 67 for people born in 1960 or later.) Only then do you qualify for 100 percent of your basic monthly benefit, which is calculated from your 35 highest-earning years.
Where can I file for Social Security at full retirement age?
You can get that maximum if you file for benefits when you reach full retirement age, if you claim earlier, the benefit amount is reduced. You can file online (via an application form or your My Social Security account); by calling Social Security at 800-772-1213; or by making an appointment at your local Social Security office.
How are your Social Security benefits calculated when you retire?
Social Security benefits are calculated based on your 35 highest-earning working years. 8 Therefore, if you keep working and earn a higher salary in your 60s than you did earlier in your career, you could boost your Social Security payments even more.
