Welcome to Rachelcarlsen's Website

If you’re 56 now (in 2025), here’s when you can start taking Social Security retirement benefits:

1. Earliest Age: 62

• You can start collecting Social Security as early as age 62, which for you would be in 2031.
• However, your monthly benefit will be reduced permanently if you claim before your Full Retirement Age (FRA).

2. Full Retirement Age (FRA): Likely 67

• If you were born in 1969, your FRA is 67.
• At this age, you’ll receive 100% of your earned Social Security benefit.
• You’ll reach FRA in 2036.

3. Delayed Retirement: Up to Age 70

• If you delay taking benefits until after your FRA (up to age 70), your monthly benefit will increase by about 8% per year.
• You’ll reach 70 in 2045, and this would give you the maximum monthly benefit.