At a Glance: Claiming Age Comparison
To visualize the profound impact of timing, review how a baseline $2,000 monthly benefit at a Full Retirement Age of 67 changes depending on when you submit your application.
| Claiming Age | Monthly Benefit | % of FRA Benefit | Impact on Survivor Benefit | Earnings Test Applies? |
|---|---|---|---|---|
| Age 62 | $1,400 | 70% | Locks in permanent severe reduction | Yes, strict limit |
| Age 67 (FRA) | $2,000 | 100% | Provides standard baseline benefit | No limit after birth month |
| Age 70 | $2,480 | 124% | Provides maximum lifetime benefit | No limit |
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