do you start date
Choose Your Start Date Carefully. Age 62: This is the earliest age you can begin to receive retirement benefits. Your monthly benefit will be permanently reduced. Age 66: This is currently âfull retirement ageâ (FRA). If you delay the start of benefits until you reach this age, you will receive 100% of the benefit you earned. In addition, you will have more choices about how you can take your benefit.(1) Age 70: This is the latest age you want to file for benefits.