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WebJun 21, 2024 · Key takeaways. If you claim Social Security at age 62, rather than wait until your full retirement age (FRA), you can expect a 30% reduction in monthly benefits. For every year you delay claiming Social … WebApr 10, 2024 · Congress has yet to decide how to fix Social Security, but so far it has never let the program falter. Still, the trustees’ report released this month states the combination of the two trust ... WebDec 23, 2024 · When Can I Collect Social Security? However, Social Security reduces your payment if you start collecting before your full retirement age , or FRA. (FRA is 66 and 4 months for people born in 1956, 66 and 6 months for those born in 1957, and gradually rising to 67 for someone born in 1960 or later.) small bar wine rack