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You can get the following reduced monthly benefits before reaching full retirement age:

  • Retirement benefits at age 62 through the month before your reach Full Retirement Age;
  • Husband’s or wife’s benefits at age 62 through the month before you reach full retirement age, provided no child of your spouse either under age 18 or disabled and entitled to benefits is in your care;
  • Widow’s or widower’s benefits beginning at any time from age 50 through the month before you reach full retirement age;
  • Widow’s or widower’s benefits, if your spouse received a retirement benefit before full retirement age;
  • Disability benefits received after a reduced retirement benefit; or

Retirement or disability benefits received after a reduced widow’s or widower’s benefit. This applies only if you were born before 1928.


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