Social Security Benefits

While Social Security actually encompasses several benefit categories, our focus here is on Social Security retirement benefits. Here are the first things to know:

  • You have several options in deciding when to collect Social Security. In general, the longer you wait to collect Social Security, the more money you’ll get in your monthly payment.
  • In order to obtain Social Security in retirement, you must be at least 62 years old. However…
  • In order to get your “full” Social Security benefit, the retirement age is currently 66. So, if you retire before 66, you will get a smaller monthly Social Security benefit than if you wait until you are 66.
  • If you delay getting Social Security until you are older than 66, your monthly payout will increase. (More information on how to choose when to take Social Security at

You can apply for Social Security retirement benefits online at