退休年齡延長至66.5歲,年或將實施
An older Social Security full retirement age.
以往的社保法定退休年齡。The full retirement age used to be 65 for those born in 1937 or earlier. Those born between 1943 and 1954 have a full retirement age of 66. The full retirement age further increases to 66 and six months for people born in 1957, up from 66 and four months for those with a birth year of 1956. "The full retirement age increases for those born in 1957 who attain age 62 in 2019," says Jim Blair, a former Social Security administrator and lead consultant at Premier Social Security Consulting in Cincinnati, Ohio. "Full retirement age is 66 years, six months. This is a two-month increase over those born in 1956." The full retirement age will further increase in two-month increments each year until it hits 67 for everyone born in 1960 or later.
對於1937年出生或1937年前出生的人而言，法定退休年齡是65歲。對於1943年和1954年間出生的人而言，法定退休年齡爲66歲。而對於1957年出生的人而言，法定退休年齡進一步延長至66.5歲，而1956年出生的人應在66歲零四個月時退休。"1957年生人到2019年已62歲，他們的法定退休年齡有所延長，"前社保局局長兼俄亥俄州辛辛那提市高級社保諮詢部首席顧問吉姆·布萊爾說道。"法定退休年齡爲66.5歲。比1956年生人延長2個月。"對於1960年出生或1960年之後出生的人而言，法定退休年齡每年延長2個月，直至延長至67歲。
A bigger reduction if you claim Social Security early.
如果提前領社保，金額將大幅減少。
Workers who are eligible for Social Security can start payments at age 62, regardless of their full retirement age. However, the benefit reduction for early claiming is bigger for those who have an older retirement age. "Your Social Security full retirement age - the age where you get a 100 percent benefit - is based on your birth year," says Andy Landis, author of "Social Security: The Inside Story." "For those born in 1957, your full retirement age is 66 and six months. You can still get payments as early as 62, at 72.5 percent of your full payment amount."
符合社保條件的職工可在62歲時領社保，不論是否到了法定退休年齡。然而，對於較高年紀退休的人羣而言，若提前領社保，其退休金將大幅減少。"你的社保法定退休年齡--能獲取100%社保退休金的年齡--取決於你的出生年份，"《社會保障：內幕故事》一書的作者安迪·蘭迪斯說道。"對於1957年出生的人而言，其法定退休年齡爲66.5歲。這些人仍可以在62歲時領社保，但只能領取72.5%的社保退休金。"Workers born in 1957 will see their monthly payments reduced by 27.5 percent if they sign up for Social Security at age 62, compared to a 26.67 percent benefit reduction for those born in 1956 and a 25 percent decrease for those born in 1954. For a worker eligible for a $1,000 monthly Social Security benefit at his full retirement age, claiming at age 62 will reduce his monthly payment to $750 if his birth year is 1954 and $725 if he was born in 1957.
若1957年生人在62歲時開始提領退休金，那他們每月的退休金額將減少27.5%；而1956年生人和1954年生人若在62歲時開始提領退休金，則每月的退休金額將分別減少26.67%和25%。若某職工達到法定退休年齡後可每月領取1000美元退休金，那1954年生人和1957年生人若在62歲開始提領退休金，則每月分別可得750美元和725美元。
