In the United States, turning 62 is a significant milestone for many people: it is the minimum age to start getting Social Security retirement benefits. That means that those born between 1960 and 1970 have already crossed that threshold or are about to do so, making them potential new applicants for this monthly benefit.
The Social Security Administration (SSA) states that any worker who has accumulated enough credits can begin collecting their benefits at age 62. However, choosing to retire at that time means accepting a permanent reduction in the amount you get each month. Despite this, many beneficiaries prefer not to wait any longer and activate their check as soon as possible.
The increase in applications from this generation is evident, and with it, doubts about the actual amount each person can receive are also growing. The amount varies significantly depending on several factors, including previous earnings and the exact age at which the benefit is requested.
How much do those who decide to retire at 62 get?
Those who meet the requirements and choose to start collecting Social Security right when they turn 62 can expect an average of approximately $2,710 per month in 2025. This figure, however, is not fixed: some beneficiaries get significantly less and others get slightly more, depending on their income and contribution history.
It is important to know that retiring at age 62 results in a permanent reduction in monthly payments. This reduction can be as much as 30% compared to the amount you would receive if you waited until age 67, which is the full retirement age for those born after 1960.
In addition, if the beneficiary decides to continue working after starting to receive the check, earned income could cause a temporary reduction in benefits, depending on whether certain annual limits set by the SSA are exceeded. This can affect many people during the first years of collection.
On the other hand, those who wait until age 70 to apply for benefits can get a significantly higher amount. In 2025, the maximum check will be $5,108 per month, reserved for those who delay retirement and have worked for at least 35 years with high wages.
What if I’m not yet 62? Can I get a Social Security check?
Yes. Although retirement based on age is only available from age 62, there are other ways to receive a monthly Social Security benefit before that age, provided certain specific conditions are met.
For example, disability (SSDI) beneficiaries can begin receiving monthly payments well before age 62, provided they meet the required medical and work criteria. This help is intended for people who, for health reasons, cannot continue working on a regular basis.
Monthly payments are also available to spouses, former spouses, and widows or widowers of workers who have contributed to the system. In some cases, benefits begin before age 62, although the amount will depend on the age and situation of the applicant.
So if you were born between 1960 and 1970 and have already turned 62, you may be eligible to start your retirement. But even if you haven’t reached that age yet, there are other ways to get a monthly check, provided you fall into one of the groups mentioned above. It is best to check your status directly through my Social Security to see all your options.
