Web Reference: Oct 6, 2025 · Collecting Social Security Benefits at 62 vs. 67 vs. 70 How to receive your highest monthly benefit, and when it makes sense to start collecting early By Phil Pruitt, May 20, 2024 · Many people retire at 62 because that’s the earliest you can collect Social Security retirement benefits. But just because you can claim monthly benefits at 62 doesn’t always mean you should. Social Security pays 100 percent of the benefit calculated from your lifetime earnings history if you claim it at full retirement age. Jan 9, 2026 · Make an informed decision about when to apply for Social Security benefits. Learn the factors that can affect your choice and find the best time for you.
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