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Sat, Aug 30 2008 

Published May 19, 2008 10:26 pm -

Seniors' issues: When will I start getting retirement benefits?


By Judy Benge

Dear Judy: Can you tell me at what age can I begin receiving my full retirement benefits? I want to file when I get 100 percent of my benefits. I’m sure there are a lot of people wondering how the increasing retirement age will change their retirement plans.

Answer: There are many people approaching retirement age who have had to delay their retirement because of the change in the law that has changed the full retirement age from 65 to 67. Many readers have asked me to explain how the gradual increase will work.

As everyone knows, the full retirement age has been 65 for many years. Beginning with people born in 1938 or later, that age gradually increases until it reaches 67 for people born after 1959. If you were born on January first of any year, you should refer to the full retirement age of the previous year. The following chart shows the steps in which the age will increase.

Born in 1937, full retirement age is 65.

1938; it’s 65 and 2 months

1939; it’s 65 and 4 months

1940; it’s 65 and 6 months

1941; it’s 65 and 8 months

1942; it’s 65 and 10 months

1943 - 1954; it’s 66

1955; it’s 66 and 2 months

1956; it’s 66 and 4 months

1957; it’s 66 and 6 months

1958; it’s 66 and 8 months

1959; it’s 66 and 10 months



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