I couldn't find this answer online, also spent about 30 min on hold yesterday. Maybe somebody on here knows the answer. I know social security pro-rates between ages, so your amount goes up every year. For example at age 62 I get more at age 63. (question) But what about within a year? For example, would I get more if my age was age 63 years 10 months versus my age of 63 years 1 month.Thanks for any input.

I believe it's prorated monthly....You can retire at any time after reaching 62 years of age. If you start receiving benefits early, your benefits will be reduced a fraction of a percent for each month before your full retirement age. Your benefits will be reduced based on the number of months you receive benefits before you reach full retirement age. So, yes, if a person retires at, say, age 62 1/2, the benefit is prorated (ie. the person is credited for waiting an additional 6 months).

Op here...I searched exactly what you posted and ended up on page that is pro-rated by month by your birthdate.https://www.ssa.gov/planners/retire/1943.htmlThanks....

path1 wrote:I couldn't find this answer online, also spent about 30 min on hold yesterday. Maybe somebody on here knows the answer. I know social security pro-rates between ages, so your amount goes up every year. For example at age 62 I get more at age 63. (question) But what about within a year? For example, would I get more if my age was age 63 years 10 months versus my age of 63 years 1 month.Thanks for any input.Never had luck trying to get informaation over the phone from ANY goverment agency. If you do get a real person they will tell you that you've called the wrong department and they can't help you. If your lucky they will transfer you to the right department where you will listen to scratchy John Philip Sousa songs until your ears bleed and then abruptly disconneted.

stickdog wrote:path1 wrote:I couldn't find this answer online, also spent about 30 min on hold yesterday. Maybe somebody on here knows the answer. I know social security pro-rates between ages, so your amount goes up every year. For example at age 62 I get more at age 63. (question) But what about within a year? For example, would I get more if my age was age 63 years 10 months versus my age of 63 years 1 month.Thanks for any input.Never had luck trying to get informaation over the phone from ANY goverment agency. If you do get a real person they will tell you that you've called the wrong department and they can't help you. If your lucky they will transfer you to the right department where you will listen to scratchy John Philip Sousa songs until your ears bleed and then abruptly disconneted.Op here...Now that I learned they go by month and not year for pro-rating, I'm going to apply for some of that "scratch"

I retired at 63 1/2 and SS actually has a sliding scale to calculate your benefit down to the month. Mine was actually 63 years and 7 months based on the actual date of retirement. There is a chart available to you on the SS website with this information once you register with SS website. It will draw up your personal financial showing your benefit based on the retirement year plus month.

Social Security question/help | Good Sam Community

capndan77
Explorer
Dec 03, 2016
I retired at 63 1/2 and SS actually has a sliding scale to calculate your benefit down to the month. Mine was actually 63 years and 7 months based on the actual date of retirement. There is a chart available to you on the SS website with this information once you register with SS website. It will draw up your personal financial showing your benefit based on the retirement year plus month.
path1
Explorer
Dec 03, 2016
stickdog wrote:
path1 wrote:
I couldn't find this answer online, also spent about 30 min on hold yesterday. Maybe somebody on here knows the answer.

I know social security pro-rates between ages, so your amount goes up every year. For example at age 62 I get more at age 63.

(question) But what about within a year? For example, would I get more if my age was age 63 years 10 months versus my age of 63 years 1 month.

Thanks for any input.

Never had luck trying to get informaation over the phone from ANY goverment agency. If you do get a real person they will tell you that you've called the wrong department and they can't help you. If your lucky they will transfer you to the right department where you will listen to scratchy John Philip Sousa songs until your ears bleed and then abruptly disconneted.

Op here...Now that I learned they go by month and not year for pro-rating, I'm going to apply for some of that "scratch"
stickdog
Explorer
Dec 03, 2016
path1 wrote:
I couldn't find this answer online, also spent about 30 min on hold yesterday. Maybe somebody on here knows the answer.

I know social security pro-rates between ages, so your amount goes up every year. For example at age 62 I get more at age 63.

(question) But what about within a year? For example, would I get more if my age was age 63 years 10 months versus my age of 63 years 1 month.

Thanks for any input.

Never had luck trying to get informaation over the phone from ANY goverment agency. If you do get a real person they will tell you that you've called the wrong department and they can't help you. If your lucky they will transfer you to the right department where you will listen to scratchy John Philip Sousa songs until your ears bleed and then abruptly disconneted.
path1
Explorer
Dec 03, 2016
Op here...
I searched exactly what you posted and ended up on page that is pro-rated by month by your birthdate.

https://www.ssa.gov/planners/retire/1943.html

Thanks....
downtheroad
Explorer
Dec 03, 2016
I believe it's prorated monthly....

You can retire at any time after reaching 62 years of age. If you start receiving benefits early, your benefits will be reduced a fraction of a percent for each month before your full retirement age. Your benefits will be reduced based on the number of months you receive benefits before you reach full retirement age. So, yes, if a person retires at, say, age 62 1/2, the benefit is prorated (ie. the person is credited for waiting an additional 6 months).

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