at what age can you collect social security without penalty
For each birth year after 1954, the retirement age rises by two months, so if you were born in 1959, your full retirement age is 66 and 10 months. You can collect a Social Security retirement benefit starting at age 62, but it will be 30 percent lower than if you waited until age 66. Persons born in 1960 and later must wait until age 67 to collect their full retirement benefit.