Claiming Social Security at Age 67
Starting Social Security at age 67 means 100% of your PIA (your Full Retirement Age). Your Full Retirement Age (for someone born in 1960) is 67; claiming before it reduces the check for life, while waiting past it adds about 8% a year up to 70.
Example: same record, different claim ages
Illustrative worker, AIME $6,000/mo, born 1960.
| Claim at 62 | $1,866/mo | $22,392/yr |
| Claim at 67 (this page) | $2,665/mo | $31,980/yr |
| Claim at 70 | $3,305/mo | $39,660/yr |
Claiming at 67: common questions
Is age 67 a good time to claim Social Security?
Claiming at 67 locks in 100% of your PIA (your Full Retirement Age) for life. This is your Full Retirement Age, the baseline 100% benefit. The right age depends on your health, other income, and whether you keep working.
How much does claiming at 67 pay vs 62 or 70?
For the same earnings record, claiming at 62 pays about $1,866/mo, at Full Retirement Age (67) about $2,665/mo, and at 70 about $3,305/mo. At 67 it is about $2,665/mo in this example.
Can I work while claiming at 67?
Yes, but before Full Retirement Age the earnings test temporarily withholds part of your benefit if you earn above the annual limit. After FRA there is no earnings test and the withheld amounts are credited back.
Source: SSA.gov 2026 figures. Examples are illustrative; your benefit depends on your own 35-year earnings record. Last updated 2026-06-22.