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<!-- #BeginEditable name="pagetitle" --><h1>Effect of Early or Delayed Retirement on Retirement Benefits</h1><!-- #EndEditable -->
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<caption><b>Benefit, as a percentage of
<a href="../COLA/piaformula.html">Primary Insurance Amount (PIA)</a>,
payable at ages 62-67 and age 70</b></caption>
<tr valign="bottom" align="left">
<th scope="col" width="12%" rowspan="2" bgcolor="#ddeeff">Year<br />of birth</th>
<th scope="col" width="12%" rowspan="2" bgcolor="#ddeeff">Normal<br />Retirement<br />Age (NRA)</th>
<th scope="col" rowspan="2" bgcolor="#ddeeff">Credit for each year of
delayed retirement after NRA (percent)</th>
<th width="63%" align="center" colspan="7" class="blackruled-td">Benefit, as a
percentage of PIA, beginning at age--</th></tr>
<tr valign="bottom" align="left" bgcolor="#ddeeff">
<th scope="col" width="9%">62</th>
<th scope="col" width="9%">63</th>
<th scope="col" width="9%">64</th>
<th scope="col" width="9%">65</th>
<th scope="col" width="9%">66</th>
<th scope="col" width="9%">67</th>
<th scope="col" width="9%">70</th>
</tr>
<tr valign="bottom" align="left">
<td align="left">1924</td>
<td>65</td>
<td>3</td>
<td>80</td>
<td>86<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
<td>93<small> <sup>1</sup>&frasl;<sub>3</sub></small></td>
<td>100</td>
<td>103</td>
<td>106</td>
<td>115</td>
</tr>
<tr bgcolor="#ffffdd" valign="bottom" align="left">
<td align="left">1925-26</td>
<td>65</td>
<td>3<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
<td>80</td>
<td>86<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
<td>93<small> <sup>1</sup>&frasl;<sub>3</sub></small></td>
<td>100</td>
<td>103<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
<td>107</td>
<td>117<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
</tr>
<tr valign="bottom" align="left">
<td align="left">1927-28</td>
<td>65</td>
<td>4</td>
<td>80</td>
<td>86<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
<td>93<small> <sup>1</sup>&frasl;<sub>3</sub></small></td>
<td>100</td>
<td>104</td>
<td>108</td>
<td>120</td>
</tr>
<tr bgcolor="#ffffdd" valign="bottom" align="left">
<td align="left">1929-30</td>
<td>65</td>
<td>4<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
<td>80</td>
<td>86<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
<td>93<small> <sup>1</sup>&frasl;<sub>3</sub></small></td>
<td>100</td>
<td>104<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
<td>109</td>
<td>122<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
</tr>
<tr valign="bottom" align="left">
<td align="left">1931-32</td>
<td>65</td>
<td>5</td>
<td>80</td>
<td>86<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
<td>93<small> <sup>1</sup>&frasl;<sub>3</sub></small></td>
<td>100</td>
<td>105</td>
<td>110</td>
<td>125</td>
</tr>
<tr bgcolor="#ffffdd" valign="bottom" align="left">
<td align="left">1933-34</td>
<td>65</td>
<td>5<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
<td>80</td>
<td>86<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
<td>93<small> <sup>1</sup>&frasl;<sub>3</sub></small></td>
<td>100</td>
<td>105<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
<td>111</td>
<td>127<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
</tr>
<tr valign="bottom" align="left">
<td align="left">1935-36</td>
<td>65</td>
<td>6</td>
<td>80</td>
<td>86<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
<td>93<small> <sup>1</sup>&frasl;<sub>3</sub></small></td>
<td>100</td>
<td>106</td>
<td>112</td>
<td>130</td>
</tr>
<tr bgcolor="#ffffdd" valign="bottom" align="left">
<td align="left">1937</td>
<td>65</td>
<td>6<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
<td>80</td>
<td>86<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
<td>93<small> <sup>1</sup>&frasl;<sub>3</sub></small></td>
<td>100</td>
<td>106<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
<td>113</td>
<td>132<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
</tr>
<tr valign="bottom" align="left">
<td align="left">1938</td>
<td>65, 2 mo.</td>
<td>6<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
<td>79<small> <sup>1</sup>&frasl;<sub>6</sub></small></td>
<td>85<small> <sup>5</sup>&frasl;<sub>9</sub></small></td>
<td>92<small> <sup>2</sup>&frasl;<sub>9</sub></small></td>
<td>98<small> <sup>8</sup>&frasl;<sub>9</sub></small></td>
<td>105<small> <sup>5</sup>&frasl;<sub>12</sub></small></td>
<td>111<small> <sup>11</sup>&frasl;<sub>12</sub></small></td>
<td>131<small> <sup>5</sup>&frasl;<sub>12</sub></small></td>
</tr>
<tr bgcolor="#ffffdd" valign="bottom" align="left">
<td align="left">1939</td>
<td>65, 4 mo.</td>
<td>7</td>
<td>78<small> <sup>1</sup>&frasl;<sub>3</sub></small></td>
<td>84<small> <sup>4</sup>&frasl;<sub>9</sub></small></td>
<td>91<small> <sup>1</sup>&frasl;<sub>9</sub></small></td>
<td>97<small> <sup>7</sup>&frasl;<sub>9</sub></small></td>
<td>104<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
<td>111<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
<td>132<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
</tr>
<tr valign="bottom" align="left">
<td align="left">1940</td>
<td>65, 6 mo.</td>
<td>7</td>
<td>77<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
<td>83<small> <sup>1</sup>&frasl;<sub>3</sub></small></td>
<td>90</td>
<td>96<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
<td>103<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
<td>110<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
<td>131<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
</tr>
<tr bgcolor="#ffffdd" valign="bottom" align="left">
<td align="left">1941</td>
<td>65, 8 mo.</td>
<td>7<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
<td>76<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
<td>82<small> <sup>2</sup>&frasl;<sub>9</sub></small></td>
<td>88<small> <sup>8</sup>&frasl;<sub>9</sub></small></td>
<td>95<small> <sup>5</sup>&frasl;<sub>9</sub></small></td>
<td>102<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
<td>110</td>
<td>132<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
</tr>
<tr valign="bottom" align="left">
<td align="left">1942</td>
<td>65, 10 mo.</td>
<td>7<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
<td>75<small> <sup>5</sup>&frasl;<sub>6</sub></small></td>
<td>81<small> <sup>1</sup>&frasl;<sub>9</sub></small></td>
<td>87<small> <sup>7</sup>&frasl;<sub>9</sub></small></td>
<td>94<small> <sup>4</sup>&frasl;<sub>9</sub></small></td>
<td>101<small> <sup>1</sup>&frasl;<sub>4</sub></small></td>
<td>108<small> <sup>3</sup>&frasl;<sub>4</sub></small></td>
<td>131<small> <sup>1</sup>&frasl;<sub>4</sub></small></td>
</tr>
<tr bgcolor="#ffffdd" valign="bottom" align="left">
<td align="left">1943-54</td>
<td>66</td>
<td>8</td>
<td>75</td>
<td>80</td>
<td>86<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
<td>93<small> <sup>1</sup>&frasl;<sub>3</sub></small></td>
<td>100</td>
<td>108</td>
<td>132</td>
</tr>
<tr valign="bottom" align="left">
<td align="left">1955</td>
<td>66, 2 mo.</td>
<td>8</td>
<td>74<small> <sup>1</sup>&frasl;<sub>6</sub></small></td>
<td>79<small> <sup>1</sup>&frasl;<sub>6</sub></small></td>
<td>85<small> <sup>5</sup>&frasl;<sub>9</sub></small></td>
<td>92<small> <sup>2</sup>&frasl;<sub>9</sub></small></td>
<td>98<small> <sup>8</sup>&frasl;<sub>9</sub></small></td>
<td>106<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
<td>130<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
</tr>
<tr bgcolor="#ffffdd" valign="bottom" align="left">
<td align="left">1956</td>
<td>66, 4 mo.</td>
<td>8</td>
<td>73<small> <sup>1</sup>&frasl;<sub>3</sub></small></td>
<td>78<small> <sup>1</sup>&frasl;<sub>3</sub></small></td>
<td>84<small> <sup>4</sup>&frasl;<sub>9</sub></small></td>
<td>91<small> <sup>1</sup>&frasl;<sub>9</sub></small></td>
<td>97<small> <sup>7</sup>&frasl;<sub>9</sub></small></td>
<td>105<small> <sup>1</sup>&frasl;<sub>3</sub></small></td>
<td>129<small> <sup>1</sup>&frasl;<sub>3</sub></small></td>
</tr>
<tr valign="bottom" align="left">
<td align="left">1957</td>
<td>66, 6 mo.</td>
<td>8</td>
<td>72<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
<td>77<small> <sup>1</sup>&frasl;<sub>2</sub></small></td>
<td>83<small> <sup>1</sup>&frasl;<sub>3</sub></small></td>
<td>90</td>
<td>96<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
<td>104</td>
<td>128</td>
</tr>
<tr bgcolor="#ffffdd" valign="bottom" align="left">
<td align="left">1958</td>
<td>66, 8 mo.</td>
<td>8</td>
<td>71<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
<td>76<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
<td>82<small> <sup>2</sup>&frasl;<sub>9</sub></small></td>
<td>88<small> <sup>8</sup>&frasl;<sub>9</sub></small></td>
<td>95<small> <sup>5</sup>&frasl;<sub>9</sub></small></td>
<td>102<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
<td>126<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
</tr>
<tr valign="bottom" align="left">
<td align="left">1959</td>
<td>66, 10 mo.</td>
<td>8</td>
<td>70<small> <sup>5</sup>&frasl;<sub>6</sub></small></td>
<td>75<small> <sup>5</sup>&frasl;<sub>6</sub></small></td>
<td>81<small> <sup>1</sup>&frasl;<sub>9</sub></small></td>
<td>87<small> <sup>7</sup>&frasl;<sub>9</sub></small></td>
<td>94<small> <sup>4</sup>&frasl;<sub>9</sub></small></td>
<td>101<small> <sup>1</sup>&frasl;<sub>3</sub></small></td>
<td>125<small> <sup>1</sup>&frasl;<sub>3</sub></small></td>
</tr>
<tr bgcolor="#ffffdd" valign="bottom" align="left">
<td align="left">1960 and later</td>
<td>67</td>
<td>8</td>
<td>70</td>
<td>75</td>
<td>80</td>
<td>86<small> <sup>2</sup>&frasl;<sub>3</sub></small></td>
<td>93<small> <sup>1</sup>&frasl;<sub>3</sub></small></td>
<td>100</td>
<td>124</td>
</tr>
<tr><td colspan="10"><small>Note:
Persons born on January 1 of any year should refer to the
previous year of birth.</small></td></tr>
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