For someone born in 1960 or later (full retirement age 67), claiming at 64 pays about 80% of your full benefit — a reduction of about 20% versus your full amount.
Compare every claim age for your own numbers.
Adjacent ages: Claiming at 63 · Claiming at 65.
Based on SSA's published reduction and delayed-credit formulas. General information, not financial advice.
Updated July 2026