[20220315]IF11115_社会保障退休福利领取年龄.pdf

https:/crsreports.congress.gov Updated March 15, 2022Social Security Retirement Benefit Claiming AgeBackground Social Security provides monthly cash benefits to retired or disabled workers and their family members, as well as to the family members of deceased workers. The Social Security full retirement age (FRA) is the age at which retired workers can first claim full Social Security retired-worker benefits. The FRA was 65 at the inception of Social Security in 1935. As part of legislation enacted in 1983 (P.L. 98-21), starting with workers born in 1938, the FRA increased by two months every birth year until the FRA reached 66 for workers born in 1943 to 1954 and then increased again in two-month increments until the FRA reached 67 for workers born in 1960 or later. Retired workers can claim retirement benefits as early as age 62 (the earliest eligibility age, or EEA). Benefits claimed between age 62 and the FRA, however, are subject to a permanent reduction for early retirement. For each of the 36 months immediately preceding the FRA, the monthly rate of reduction from the full retirement benefit is five-ninths of 1%. For each month earlier than three years (36 months) before th