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With Social Security, you never run out of money. Tom Sightings For many of us â people born between 1943 and 1954 â the regular retirement age is 66. You're eligible for Social Security as early as age 62, but you suffer a penalty if you start then. You can also delay taking benefits until 70, and then you get a bonus.Tom Sightings. The penalty for taking Social Security early is around 7 percent a year, and the bonus for delaying is also about 7 percent a year.If your benefit at age 66 is figured at the average of $1,268 a month, then you'll only receive about $1,180 per month if you sign up at age 65.ith Social Security, you never run out of money. Tom Sightings For many of us â people born between 1943 and 1954 â the regular retirement age is 66. You're eligible for Social Security as early as age 62, but you suffer a penalty if you start then. You can also delay taking benefits until 70, and then you get a bonus.
If you are self-employed and you claim early retirement benefits from Social Security (any time between age 62 and your full retirement age), your benefits may be reduced if youâre performing âsubstantial services,â even if youâre not making income over the allowed limits.