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While the standard minimum age for collecting retirement benefits is 62, some specific circumstances and benefit types allow for claiming earlier. This guide will clarify the rules so you can confidently answer the question, **Can you collect Social Security benefits at age 60?**
For those born in 1960 or later, claiming Social Security at 62 results in a permanent 30% reduction of your full benefit. Learn **how do I know how much Social Security I will get at 62** by understanding the factors at play and using official tools from the Social Security Administration.
While there is no mandatory waiting period for Social Security retirement benefits, the time it takes to process your application and receive your first check varies. Navigating the application timeline is crucial for a smooth transition into retirement, so it’s important to understand the process before you apply.
According to the Social Security Administration (SSA), you can apply for retirement benefits as early as four months before you want your payments to start. This window is crucial for anyone wondering **how close to your 62nd birthday should you apply for Social Security**, as it allows for sufficient processing time to begin receiving checks at the earliest possible age. However, an early application means permanently reduced benefits compared to waiting until your full retirement age.
