An older Social Security full retirement¹ age.

以往的社保法定退休年龄。

The full retirement age used to be 65 for those born in 1937 or earlier. Those born between 1943 and 1954 have a full retirement age of 66. The full retirement age further increases to 66 and six months for people born in 1957, up from 66 and four months for those with a birth year of 1956. "The full retirement age increases for those born in 1957 who attain² age 62 in 2019," says Jim Blair, a former Social Security administrator³ and lead consultant⁴ at Premier⁵ Social Security Consulting in Cincinnati, Ohio. "Full retirement age is 66 years, six months. This is a two-month increase over those born in 1956." The full retirement age will further increase in two-month increments⁶ each year until it hits 67 for everyone born in 1960 or later.

对于1937年出生或1937年前出生的人而言，法定退休年龄是65岁。对于1943年和1954年间出生的人而言，法定退休年龄为66岁。而对于1957年出生的人而言，法定退休年龄进一步延长至66.5岁，而1956年出生的人应在66岁零四个月时退休。"1957年生人到2019年已62岁，他们的法定退休年龄有所延长，"前社保局局长兼俄亥俄州辛辛那提市高级社保咨询部首席顾问吉姆·布莱尔说道。"法定退休年龄为66.5岁。比1956年生人延长2个月。"对于1960年出生或1960年之后出生的人而言，法定退休年龄每年延长2个月，直至延长至67岁。

A bigger reduction if you claim Social Security early.

如果提前领社保，金额将大幅减少。

Workers who are eligible⁷ for Social Security can start payments at age 62, regardless of their full retirement age. However, the benefit reduction for early claiming is bigger for those who have an older retirement age. "Your Social Security full retirement age - the age where you get a 100 percent benefit - is based on your birth year," says Andy Landis, author of "Social Security: The Inside Story." "For those born in 1957, your full retirement age is 66 and six months. You can still get payments as early as 62, at 72.5 percent of your full payment amount."

符合社保条件的职工可在62岁时领社保，不论是否到了法定退休年龄。然而，对于较高年纪退休的人群而言，若提前领社保，其退休金将大幅减少。"你的社保法定退休年龄--能获取100%社保退休金的年龄--取决于你的出生年份，"《社会保障：内幕故事》一书的作者安迪·兰迪斯说道。"对于1957年出生的人而言，其法定退休年龄为66.5岁。这些人仍可以在62岁时领社保，但只能领取72.5%的社保退休金。"

Workers born in 1957 will see their monthly payments reduced by 27.5 percent if they sign up for Social Security at age 62, compared to a 26.67 percent benefit reduction for those born in 1956 and a 25 percent decrease for those born in 1954. For a worker eligible for a $1,000 monthly Social Security benefit at his full retirement age, claiming at age 62 will reduce his monthly payment to $750 if his birth year is 1954 and $725 if he was born in 1957.

若1957年生人在62岁时开始提领退休金，那他们每月的退休金额将减少27.5%；而1956年生人和1954年生人若在62岁时开始提领退休金，则每月的退休金额将分别减少26.67%和25%。若某职工达到法定退休年龄后可每月领取1000美元退休金，那1954年生人和1957年生人若在62岁开始提领退休金，则每月分别可得750美元和725美元。