如何计算Social Security

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Social Security retirement benefits are based on your Primary Insurance Amount (PIA) — the monthly benefit you receive at Full Retirement Age (FRA). Claiming early reduces your benefit permanently; claiming late (up to age 70) increases it by 8% per year.

分步指南

1. 1Full Retirement Age (FRA) is 67 for those born after 1959
2. 2Claim at 62: benefit reduced by up to 30%
3. 3Claim at 70: benefit increased by 24% above FRA amount
4. 4Increase rate: +8% per year (0.667% per month) for each year delayed past FRA
5. 5Break-even point between early and late claiming: typically age 77–82

例题解析