How much you receive in Social Security retirement benefits depends on multiple factors, which include when you open your claim.
Generally, people as young as age 62 can begin receiving benefits. However, claiming benefits early could mean forfeiting as much as 30% of your full benefit amount.
On the other hand, for every year past your full retirement age that you wait to claim benefits, your monthly payment will get a boost of up to 8%, up to age 70.
To see how much payments vary by age of beneficiaries, we looked at the latest Annual Statistical Supplement from the Social Security Administration.
According to the supplement, average payments to Social Security beneficiaries rise steadily for those in their 60s and early 70s before leveling off. Average payments to those in their 80s are slightly lower, which could reflect the fact that average incomes were lower when these beneficiaries retired.
Keep reading to see the average monthly payment amounts for retirement, spousal and survivor benefits at every age from 62 to 89.
Age 62
Average Social Security retirement benefit among:
- All recipients this age: $1,341.61 per month
- Men this age: $1,485.76
- Women this age: $1,207.03
Average Social Security spousal benefit among:
- All recipients this age: $579.95 per month
- Men this age: $406.80
- Women this age: $586.66
Average Social Security survivor benefit among:
- All recipients this age: $1,619.47 per month
- Men this age: $1,435.65
- Women this age: $1,644.17
Age 62 isn’t just the earliest age at which most people can start receiving benefits; it also is the age at which the largest share of people actually do so, as we detail in “This Is When the Most People Claim Social Security.”
Age 63
Average Social Security retirement benefit among:
- All recipients this age: $1,364.48 per month
- Men this age: $1,504.97
- Women this age: $1,233.28
Average Social Security spousal benefit among:
- All recipients this age: $589.34 per month
- Men this age: $425.71
- Women this age: $596.03
Average Social Security survivor benefit among:
- All recipients this age: $1,668.13 per month
- Men this age: $1,497.89
- Women this age: $1,691.21
Age 64
Average Social Security retirement benefit among:
- All recipients this age: $1,425.42 per month
- Men this age: $1,573.59
- Women this age: $1,288.65
Average Social Security spousal benefit among:
- All recipients this age: $611.14 per month
- Men this age: $446.54
- Women this age: $617.80
Average Social Security survivor benefit among:
- All recipients this age: $1,687.97 per month
- Men this age: $1,528.97
- Women this age: $1,708.79
Age 65
Average Social Security retirement benefit among:
- All recipients this age: $1,611.00 per month
- Men this age: $1,784.78
- Women this age: $1,452.55
Average Social Security spousal benefit among:
- All recipients this age: $695.68 per month
- Men this age: $527.26
- Women this age: $703.72
Average Social Security survivor benefit among:
- All recipients this age: $1,737.27 per month
- Men this age: $1,589.65
- Women this age: $1,755.09
Age 66
Average Social Security retirement benefit among:
- All recipients this age: $1,763.99 per month
- Men this age: $1,958.41
- Women this age: $1,580.90
Average Social Security spousal benefit among:
- All recipients this age: $751.97 per month
- Men this age: $543.88
- Women this age: $763.02
Average Social Security survivor benefit among:
- All recipients this age: $1,784.38 per month
- Men this age: $1,645.79
- Women this age: $1,800.26
Age 67
Average Social Security retirement benefit among:
- All recipients this age: $1,929.73 per month
- Men this age: $2,142.78
- Women this age: $1,719.20
Average Social Security spousal benefit among:
- All recipients this age: $852.71 per month
- Men this age: $612.29
- Women this age: $866.33
Average Social Security survivor benefit among:
- All recipients this age: $1,985.94 per month
- Men this age: $1,867.21
- Women this age: $1,998.28
For most people, age 67 is what the Social Security Administration calls their “full retirement age.” That means it’s the age at which they can begin collecting their Social Security retirement benefits in full.
Age 68
Average Social Security retirement benefit among:
- All recipients this age: $1,979.87 per month
- Men this age: $2,197.41
- Women this age: $1,765.64
Average Social Security spousal benefit among:
- All recipients this age: $879.48 per month
- Men this age: $643.66
- Women this age: $894.05
Average Social Security survivor benefit among:
- All recipients this age: $1,994.38 per month
- Men this age: $1,882.54
- Women this age: $2,005.29
Age 69
Average Social Security retirement benefit among:
- All recipients this age: $2,039.72 per month
- Men this age: $2,267.08
- Women this age: $1,816.63
Average Social Security spousal benefit among:
- All recipients this age: $901.43 per month
- Men this age: $664.21
- Women this age: $916.70
Average Social Security survivor benefit among:
- All recipients this age: $1,978.66 per month
- Men this age: $1,868.13
- Women this age: $1,988.46
Ages 70-74
Average Social Security retirement benefit among:
- All recipients this age: $2,106.71 per month
- Men this age: $2,332.09
- Women this age: $1,884.03
Average Social Security spousal benefit among:
- All recipients this age: $1,005.54 per month
- Men this age: $729.34
- Women this age: $1,024.80
Average Social Security survivor benefit among:
- All recipients this age: $1,941.05 per month
- Men this age: $1,735.18
- Women this age: $1,950.14
Ages 75-79
Average Social Security retirement benefit among:
- All recipients this age: $2,054.69 per month
- Men this age: $2,267.59
- Women this age: $1,848.01
Average Social Security spousal benefit among:
- All recipients this age: $988.70 per month
- Men this age: $649.88
- Women this age: $1,012.38
Average Social Security survivor benefit among:
- All recipients this age: $1,911.07 per month
- Men this age: $1,580.55
- Women this age: $1,918.86
Ages 80-84
Average Social Security retirement benefit among:
- All recipients this age: $2,002.58 per month
- Men this age: $2,201.29
- Women this age: $1,817.72
Average Social Security spousal benefit among:
- All recipients this age: $925.34 per month
- Men this age: $560.83
- Women this age: $950.48
Average Social Security survivor benefit among:
- All recipients this age: $1,849.27 per month
- Men this age: $1,370.31
- Women this age: $1,855.43
Ages 85-89
Average Social Security retirement benefit among:
- All recipients this age: $1,892.84 per month
- Men this age: $2,041.99
- Women this age: $1,764.63
Average Social Security spousal benefit among:
- All recipients this age: $882.44 per month
- Men this age: $504.49
- Women this age: $913.07
Average Social Security survivor benefit among:
- All recipients this age: $1,745.31 per month
- Men this age: $1,088.95
- Women this age: $1,751.07
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