退休年齡延長(zhǎng)至66.5歲，2019年或?qū)?shí)施

以往的社保法定退休年齡。

The full retirement age used to be 65 for those born in 1937 or earlier. Those born between 1943 and 1954 have a full retirement age of 66. The full retirement age further increases to 66 and six months for people born in 1957, up from 66 and four months for those with a birth year of 1956. "The full retirement age increases for those born in 1957 who attain age 62 in 2019," says Jim Blair, a former Social Security administrator and lead consultant at Premier Social Security Consulting in Cincinnati, Ohio. "Full retirement age is 66 years, six months. This is a two-month increase over those born in 1956." The full retirement age will further increase in two-month increments each year until it hits 67 for everyone born in 1960 or later.

對(duì)于1937年出生或1937年前出生的人而言，法定退休年齡是65歲。對(duì)于1943年和1954年間出生的人而言，法定退休年齡為66歲。而對(duì)于1957年出生的人而言，法定退休年齡進(jìn)一步延長(zhǎng)至66.5歲，而1956年出生的人應(yīng)在66歲零四個(gè)月時(shí)退休。"1957年生人到2019年已62歲，他們的法定退休年齡有所延長(zhǎng)，"前社保局局長(zhǎng)兼俄亥俄州辛辛那提市高級(jí)社保咨詢部首席顧問吉姆·布萊爾說道。"法定退休年齡為66.5歲。比1956年生人延長(zhǎng)2個(gè)月。"對(duì)于1960年出生或1960年之后出生的人而言，法定退休年齡每年延長(zhǎng)2個(gè)月，直至延長(zhǎng)至67歲。

A bigger reduction if you claim Social Security early.

如果提前領(lǐng)社保，金額將大幅減少。

Workers who are eligible for Social Security can start payments at age 62, regardless of their full retirement age. However, the benefit reduction for early claiming is bigger for those who have an older retirement age. "Your Social Security full retirement age - the age where you get a 100 percent benefit - is based on your birth year," says Andy Landis, author of "Social Security: The Inside Story." "For those born in 1957, your full retirement age is 66 and six months. You can still get payments as early as 62, at 72.5 percent of your full payment amount."

符合社保條件的職工可在62歲時(shí)領(lǐng)社保，不論是否到了法定退休年齡。然而，對(duì)于較高年紀(jì)退休的人群而言，若提前領(lǐng)社保，其退休金將大幅減少。"你的社保法定退休年齡--能獲取100%社保退休金的年齡--取決于你的出生年份，"《社會(huì)保障：內(nèi)幕故事》一書的作者安迪·蘭迪斯說道。"對(duì)于1957年出生的人而言，其法定退休年齡為66.5歲。這些人仍可以在62歲時(shí)領(lǐng)社保，但只能領(lǐng)取72.5%的社保退休金。"

Workers born in 1957 will see their monthly payments reduced by 27.5 percent if they sign up for Social Security at age 62, compared to a 26.67 percent benefit reduction for those born in 1956 and a 25 percent decrease for those born in 1954. For a worker eligible for a $1,000 monthly Social Security benefit at his full retirement age, claiming at age 62 will reduce his monthly payment to $750 if his birth year is 1954 and $725 if he was born in 1957.

若1957年生人在62歲時(shí)開始提領(lǐng)退休金，那他們每月的退休金額將減少27.5%;而1956年生人和1954年生人若在62歲時(shí)開始提領(lǐng)退休金，則每月的退休金額將分別減少26.67%和25%。若某職工達(dá)到法定退休年齡后可每月領(lǐng)取1000美元退休金，那1954年生人和1957年生人若在62歲開始提領(lǐng)退休金，則每月分別可得750美元和725美元。