Did anybody retire early?

[gp]

Hi everyone: I just recently checked this out. From what I can garner, my understanding is that when you collect SS, anything you&nbsp;earn&nbsp;over&nbsp;$35000 is taxed at 50%. I hope I'm dreadfully wrong, but that's what it looks like to me.<br><br><A href="http://www.wwwebtax.com/income/social_security_benefits.htm" target=_blank>http://www.wwwebtax.com/income/social_security_benefits.htm</A><br>

 

[Seraphim]

<P>

<SPAN id=post_message_1271834511>Hi everyone: I just recently checked this out. From what I can garner, my understanding is that when you collect SS, anything you&nbsp;earn&nbsp;over&nbsp;$35000 is taxed at 50%. I hope I'm dreadfully wrong, but that's what it looks like to me.<BR><BR></SPAN>

<BR><BR>I think you're referring to benefit reduction: at the full retirement age, anything you earn over approximaately $35k, you lose $1 in benefits for every $3 earned. Before FRA, I think you lose $1 for every $2 earned over about $14k.&nbsp; Don't quote me on that, however...</P>I havent paid into SS since college, so I was under the impression I'd get nothing out of it. Looking at a recent statement, and reading up on benfits, it seems I might qualify for a token amount after all. Still reading up on it.<BR><BR><br>

 

[stude53]

<p style="margin: 0px;">Sorry. I misspoke. I&nbsp;meant to&nbsp;refer to the change in the law that used to take away ss benefits dollars 1 for 1 as you earned dollars after retirement.</p><p>There is no limit on earnings beginning the month an individual attains full retirement age.</p><p style="margin: 0px;">&nbsp;</p><p style="margin: 0px;">&nbsp;</p><table border="1" cellSpacing="3" cellPadding="2" width="98%"><tbody><tr class="ui-state-focus"><th id="m1"><div align="left"><b><u><span class="goog_qs-tidbit-1">Retirement Earnings Test Exempt Amounts:</span></u></b></div></th><th width="20%" align="center">2011</th><th width="20%" align="center">2012</th></tr><tr><td><p><b>Under full retirement age</b></p><p><b>NOTE:</b> One dollar in benefits will be withheld for every $2 in earnings above the limit.</p></td><td align="right">$14,160/yr.<br> ($1,180/mo.)</td><td align="right">$14,640/yr.<br> ($1,220/mo.)</td></tr><tr><td><p><b>The year an individual reaches full retirement age</b></p><p><b>NOTE: </b>Applies only to earnings for months prior to attaining full retirement age. One dollar in benefits will be withheld for every $3 in earnings above the limit.</p><p>There is no limit on earnings beginning the month an individual attains full retirement age.</p></td></tr></tbody></table><p style="margin: 0px;">&nbsp;</p>

 

[sl1966]

There is no limit on earnings beginning the month an individual attains full retirement age.

<div><br></div><div>Great! Now I can start that drug cartel I've always dreamed about!</div><div><br></div>

 

[dragonflyinthesky]

<P>I'm in! <IMG border=0 align=absMiddle src="https://vanlivingforum.com/images/boards/smilies/wink.gif"></P>

 

[Seraphim]

Thanks for the clarification, Bob

 

[She]

Cool thanks for the info Bob.&nbsp;<img border="0" align="absmiddle" src="https://vanlivingforum.com/images/boards/smilies/smile.gif">&nbsp;

 

[Kisatchieman]

<P>I started drawing a tiny SS check a couple of months back and can now afford 3 more tanks of gas per month.<IMG border=0 align=absMiddle src="https://vanlivingforum.com/images/boards/smilies/smile.gif">&nbsp;I'm less than full retirement age and paid in only 40 quarters. I understand it same as Bob.</P>

 

[She]

<p>I started drawing a tiny SS check a couple of months back and can now afford 3 more tanks of gas per month.<img border="0" align="absMiddle" src="https://vanlivingforum.com/images/boards/smilies/smile.gif">&nbsp;I'm less than full retirement age and paid in only 40 quarters. I understand it same as Bob.</p>

<div><br></div><div>Not to be&nbsp;nosy&nbsp;but when you say earlier....how much earlier? I didn't know you can collect before 62. I know you can say"Ive had enough Im out of here" but I thought you had to wait till 62. If someone mentioned that before excuse me Ive been sick with the bug. Im not reading everything.....clearly.&nbsp;</div>

 

[Seraphim]

According to the SSI news, Patty Duke just turned 65 and applied for social Security and MediCare.

And no, Patty Duke was NOT before your time lol....

 

[Seraphim]

She

You can start withdrawing at 62. Full retirement age depends on the year you were born, but is around 66 ...

Click HereBenefits website

 

[sl1966]

<table border="0" cellpadding="4" cellspacing="0" class="eightypercent" width="99%" style="font-size: 13px; color: rgb(0, 0, 0); font-family: Arial, Helvetica, sans-serif; background-color: rgb(255, 255, 255); "><caption><h2 align="left" style="font-size: 15px; margin-bottom: 2px; margin-top: 2px; "><span style="font-weight: normal;">Here's a handy chart ...</span></h2><div><span style="font-weight: normal;"><br></span></div><div style="text-align: left;"><strong style="font-size: 15px; ">Full Retirement and Age 62 Benefit By Year Of Birth</strong></div></caption><tbody><tr class="linkbar" style="background-image: url(http://www.socialsecurity.gov/images/linkbarback.jpg); background-color: rgb(64, 90, 125); color: rgb(255, 255, 255); vertical-align: middle; background-repeat: repeat no-repeat; "><th width="13%" rowspan="2" valign="top" class="grayborder-td" id="h1" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><strong>Year of Birth&nbsp;<a href="http://www.socialsecurity.gov/retire2/agereduction.htm#year" style="color: rgb(60, 2, 123); " target="_blank"><font color="#FFFFFF">^1.</font></a></strong></th><th width="16%" rowspan="2" valign="top" class="grayborder-td" id="h2" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><strong>Full (normal) Retirement Age</strong></th><th width="15%" rowspan="2" valign="top" class="grayborder-td" id="h3" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><strong>Months between age 62 and full retirement age</strong></th><th colspan="4" valign="top" class="grayborder-td" id="h8" align="center" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; ">At Age 62<a href="http://www.socialsecurity.gov/retire2/agereduction.htm#min" style="color: rgb(60, 2, 123); " target="_blank">&nbsp;<font color="#FFFFFF">^2.</font></a></th></tr><tr class="linkbar" style="background-image: url(http://www.socialsecurity.gov/images/linkbarback.jpg); background-color: rgb(64, 90, 125); color: rgb(255, 255, 255); vertical-align: middle; background-repeat: repeat no-repeat; "><th valign="top" class="grayborder-td" headers="h8" id="h4" width="15%" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><strong>A $1000 retirement benefit would be reduced to</strong></th><th valign="top" class="grayborder-td" headers="h8" id="h5" width="13%" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><strong>The retirement benefit is reduced by&nbsp;<a href="http://www.socialsecurity.gov/retire2/agereduction.htm#about" style="color: rgb(60, 2, 123); " target="_blank"><font color="#FFFFFF">^3.</font></a></strong></th><th valign="top" class="grayborder-td" headers="h8" id="h7" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><strong>A $500 spouse's benefit would be reduced to</strong></th><th valign="top" class="grayborder-td" headers="h8" id="h6" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><strong>The spouse's benefit is reduced by&nbsp;<a href="http://www.socialsecurity.gov/retire2/agereduction.htm#spouse" style="color: rgb(60, 2, 123); " target="_blank"><font color="#FFFFFF">^4.</font></a></strong></th></tr><tr><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1937.html" style="color: rgb(60, 2, 123); " target="_blank">1937&nbsp;or earlier</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">65</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">36</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$800</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">20.00%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$375</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">25.00%</div></td></tr><tr class="greycell" style="background-color: rgb(238, 238, 238); "><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1938.html" style="color: rgb(60, 2, 123); " target="_blank">1938</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">65 and 2 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">38</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$791</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">20.83%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$370</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">25.83%</div></td></tr><tr><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1939.html" style="color: rgb(60, 2, 123); " target="_blank">1939</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">65 and 4 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">40</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$783</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">21.67%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$366</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">26.67%</div></td></tr><tr class="greycell" style="background-color: rgb(238, 238, 238); "><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1940.html" style="color: rgb(60, 2, 123); " target="_blank">1940</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">65 and 6 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">42</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$775</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">22.50%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$362</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">27.50%</div></td></tr><tr><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1941.html" style="color: rgb(60, 2, 123); " target="_blank">1941</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">65 and 8 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">44</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$766</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">23.33%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$358</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">28.33%</div></td></tr><tr class="greycell" style="background-color: rgb(238, 238, 238); "><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1942.html" style="color: rgb(60, 2, 123); " target="_blank">1942</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">65 and 10 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">46</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$758</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">24.17%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$354</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">29.17%</div></td></tr><tr><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1943.html" style="color: rgb(60, 2, 123); " target="_blank">1943-1954</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">66</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">48</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$750</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">25.00%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$350</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">30.00%</div></td></tr><tr class="greycell" style="background-color: rgb(238, 238, 238); "><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1955.html" style="color: rgb(60, 2, 123); " target="_blank">1955</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">66 and 2 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">50</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$741</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">25.83%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$345</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">30.83%</div></td></tr><tr><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1956.html" style="color: rgb(60, 2, 123); " target="_blank">1956</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">66 and 4 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">52</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$733</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">26.67%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$341</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">31.67%</div></td></tr><tr class="greycell" style="background-color: rgb(238, 238, 238); "><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1957.html" style="color: rgb(60, 2, 123); " target="_blank">1957</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">66 and 6 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">54</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$725</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">27.50%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$337</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">32.50%</div></td></tr><tr><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1958.html" style="color: rgb(60, 2, 123); " target="_blank">1958</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">66 and 8 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">56</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$716</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">28.33%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$333</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">33.33%</div></td></tr><tr class="greycell" style="background-color: rgb(238, 238, 238); "><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1959.html" style="color: rgb(60, 2, 123); " target="_blank">1959</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">66 and 10 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">58</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$708</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">29.17%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$329</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">34.17%</div></td></tr><tr><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1960.html" style="color: rgb(60, 2, 123); " target="_blank">1960 and later</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">67</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">60</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$700</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">30.00%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$325</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">35.00%</div></td></tr><tr valign="top" class="greycell" style="background-color: rgb(238, 238, 238); "><td colspan="7" valign="top" class="grayborder-td" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><ol><li><a name="year" id="year" target="_blank"></a>If you were born on January 1st, you should refer to the previous year.&nbsp;<em></em></li><li><a name="min" id="min" target="_blank"></a>If you were born on the 1st of the month, we figure the benefit as if your birthday was in the previous month. You must be at least 62 for the entire month to receive benefits.</li><li><a name="about" id="about" target="_blank"></a>Percentages are approximate due to rounding.</li><li><a name="spouse" id="spouse" target="_blank"></a>The maximum benefit for the spouse is 50% of the benefit the worker would receive at full retirement age. The % reduction for the spouse should be applied after the automatic 50% reduction. Percentages are approximate due to rounding.</li></ol></td></tr></tbody></table>

 

[She]

<table border="0" cellpadding="4" cellspacing="0" class="eightypercent" width="99%" style="font-size: 13px; color: rgb(0, 0, 0); font-family: Arial, Helvetica, sans-serif; background-color: rgb(255, 255, 255); "><caption><h2 align="left" style="font-size: 15px; margin-bottom: 2px; margin-top: 2px; "><span style="font-weight: normal;">Here's a handy chart ...</span></h2><div><span style="font-weight: normal;"><br></span></div><div style="text-align: left;"><strong style="font-size: 15px; ">Full Retirement and Age 62 Benefit By Year Of Birth</strong></div></caption><tbody><tr class="linkbar" style="background-image: url(http://www.socialsecurity.gov/images/linkbarback.jpg); background-color: rgb(64, 90, 125); color: rgb(255, 255, 255); vertical-align: middle; background-repeat: repeat no-repeat; "><th width="13%" rowspan="2" valign="top" class="grayborder-td" id="h1" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><strong>Year of Birth&nbsp;<a href="http://www.socialsecurity.gov/retire2/agereduction.htm#year" style="color: rgb(60, 2, 123); " target="_blank"><font color="#FFFFFF">^1.</font></a></strong></th><th width="16%" rowspan="2" valign="top" class="grayborder-td" id="h2" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><strong>Full (normal) Retirement Age</strong></th><th width="15%" rowspan="2" valign="top" class="grayborder-td" id="h3" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><strong>Months between age 62 and full retirement age</strong></th><th colspan="4" valign="top" class="grayborder-td" id="h8" align="center" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; ">At Age 62<a href="http://www.socialsecurity.gov/retire2/agereduction.htm#min" style="color: rgb(60, 2, 123); " target="_blank">&nbsp;<font color="#FFFFFF">^2.</font></a></th></tr><tr class="linkbar" style="background-image: url(http://www.socialsecurity.gov/images/linkbarback.jpg); background-color: rgb(64, 90, 125); color: rgb(255, 255, 255); vertical-align: middle; background-repeat: repeat no-repeat; "><th valign="top" class="grayborder-td" headers="h8" id="h4" width="15%" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><strong>A $1000 retirement benefit would be reduced to</strong></th><th valign="top" class="grayborder-td" headers="h8" id="h5" width="13%" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><strong>The retirement benefit is reduced by&nbsp;<a href="http://www.socialsecurity.gov/retire2/agereduction.htm#about" style="color: rgb(60, 2, 123); " target="_blank"><font color="#FFFFFF">^3.</font></a></strong></th><th valign="top" class="grayborder-td" headers="h8" id="h7" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><strong>A $500 spouse's benefit would be reduced to</strong></th><th valign="top" class="grayborder-td" headers="h8" id="h6" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><strong>The spouse's benefit is reduced by&nbsp;<a href="http://www.socialsecurity.gov/retire2/agereduction.htm#spouse" style="color: rgb(60, 2, 123); " target="_blank"><font color="#FFFFFF">^4.</font></a></strong></th></tr><tr><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1937.html" style="color: rgb(60, 2, 123); " target="_blank">1937&nbsp;or earlier</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">65</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">36</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$800</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">20.00%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$375</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">25.00%</div></td></tr><tr class="greycell" style="background-color: rgb(238, 238, 238); "><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1938.html" style="color: rgb(60, 2, 123); " target="_blank">1938</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">65 and 2 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">38</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$791</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">20.83%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$370</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">25.83%</div></td></tr><tr><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1939.html" style="color: rgb(60, 2, 123); " target="_blank">1939</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">65 and 4 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">40</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$783</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">21.67%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$366</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">26.67%</div></td></tr><tr class="greycell" style="background-color: rgb(238, 238, 238); "><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1940.html" style="color: rgb(60, 2, 123); " target="_blank">1940</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">65 and 6 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">42</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$775</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">22.50%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$362</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">27.50%</div></td></tr><tr><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1941.html" style="color: rgb(60, 2, 123); " target="_blank">1941</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">65 and 8 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">44</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$766</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">23.33%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$358</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">28.33%</div></td></tr><tr class="greycell" style="background-color: rgb(238, 238, 238); "><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1942.html" style="color: rgb(60, 2, 123); " target="_blank">1942</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">65 and 10 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">46</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$758</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">24.17%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$354</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">29.17%</div></td></tr><tr><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1943.html" style="color: rgb(60, 2, 123); " target="_blank">1943-1954</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">66</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">48</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$750</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">25.00%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$350</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">30.00%</div></td></tr><tr class="greycell" style="background-color: rgb(238, 238, 238); "><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1955.html" style="color: rgb(60, 2, 123); " target="_blank">1955</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">66 and 2 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">50</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$741</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">25.83%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$345</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">30.83%</div></td></tr><tr><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1956.html" style="color: rgb(60, 2, 123); " target="_blank">1956</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">66 and 4 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">52</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$733</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">26.67%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$341</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">31.67%</div></td></tr><tr class="greycell" style="background-color: rgb(238, 238, 238); "><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1957.html" style="color: rgb(60, 2, 123); " target="_blank">1957</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">66 and 6 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">54</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$725</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">27.50%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$337</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">32.50%</div></td></tr><tr><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1958.html" style="color: rgb(60, 2, 123); " target="_blank">1958</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">66 and 8 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">56</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$716</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">28.33%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$333</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">33.33%</div></td></tr><tr class="greycell" style="background-color: rgb(238, 238, 238); "><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1959.html" style="color: rgb(60, 2, 123); " target="_blank">1959</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">66 and 10 months</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">58</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$708</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">29.17%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$329</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">34.17%</div></td></tr><tr><td valign="top" class="grayborder-td" headers="h1" width="13%" scope="row" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div><a href="http://www.socialsecurity.gov/retirement/1960.html" style="color: rgb(60, 2, 123); " target="_blank">1960 and later</a></div></td><td valign="top" class="grayborder-td" headers="h2" width="16%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">67</div></td><td valign="top" class="grayborder-td" headers="h3" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">60</div></td><td valign="top" class="grayborder-td" headers="h4" width="15%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$700</div></td><td valign="top" class="grayborder-td" headers="h5" width="13%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">30.00%</div></td><td valign="top" class="grayborder-td" headers="h7" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">$325</div></td><td valign="top" class="grayborder-td" headers="h6" width="14%" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><div align="center">35.00%</div></td></tr><tr valign="top" class="greycell" style="background-color: rgb(238, 238, 238); "><td colspan="7" valign="top" class="grayborder-td" style="vertical-align: top; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(238, 238, 238); border-right-color: rgb(238, 238, 238); border-bottom-color: rgb(238, 238, 238); border-left-color: rgb(238, 238, 238); border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-image: initial; "><ol><li><a name="year" id="year" target="_blank"></a>If you were born on January 1st, you should refer to the previous year.&nbsp;<em></em></li><li><a name="min" id="min" target="_blank"></a>If you were born on the 1st of the month, we figure the benefit as if your birthday was in the previous month. You must be at least 62 for the entire month to receive benefits.</li><li><a name="about" id="about" target="_blank"></a>Percentages are approximate due to rounding.</li><li><a name="spouse" id="spouse" target="_blank"></a>The maximum benefit for the spouse is 50% of the benefit the worker would receive at full retirement age. The % reduction for the spouse should be applied after the automatic 50% reduction. Percentages are approximate due to rounding.</li></ol></td></tr></tbody></table>

Thanks for showing this. It means I really can't collect until 66 to get full. Something to think about. And I can't think now...I just got home. CRASH time. But this chart was a big help.

 

[Seraphim]

I appreciate the chart as well

 

[SheketEchad]

<span style="font-family: Georgia; color: rgb(102, 0, 0);">I am so glad someone asks these questions, even though the answers sometimes make me more depressed. &nbsp;I should watch reality TV or something instead of reading I guess!</span><div><span style="font-family: Georgia; color: rgb(102, 0, 0);"><br></span></div><div><span style="font-family: Georgia; color: rgb(102, 0, 0);">There is no way I am doing this job thing for another 12 years so I can draw early (not likely it will be there then anyway, but that's another story); If I clear out my debt now and RV cheaply, maybe I can still make it without any SS. &nbsp;</span></div><div><span style="font-family: Georgia; color: rgb(102, 0, 0);"><br></span></div><div><span style="color: rgb(102, 0, 0); font-family: Georgia;">Then there is always the Wally World greeter job...I could do that till I'm 80 I guess. &nbsp;I practice nightly "Hi, would you all like a cart?"</span></div><div><span style="color: rgb(102, 0, 0); font-family: Georgia;"><br></span></div><div><span style="color: rgb(102, 0, 0); font-family: Georgia;">Thanks for the chart!</span></div>

 

[joey]

"The maximum benefit for the spouse is 50% of the benefit the worker would receive at full retirement age. The % reduction for the spouse should be applied after the automatic 50% reduction." I found out today from SSI that when my ex retires,I am eligible for up to 50% of her's because we were married for at least 10 yrs.

 

[Spirituallifetime]

I have known people who worked hard all their lives to save and create a great retirement only to die shortly after retirement. the lesson I have learned is enjoy life today, work but don't work so hard that you don't enjoy life. SS isn't much to live on anyway look at it so you still need a part time job or some other income to live on.&nbsp;<br />You could get food stamps if you qualify, supplement medicare with medicaid.<br />I know guys in their 70's still driving trucks for a living and know a guy who retired at 84 because California change the law max age a commercial drivers license could be held 80 year old.&nbsp;

 

[Guest]

Yep...retired due to health problems at 57. Not nearly ready.<br /><br />I loved my job...just couldn't do it any more...and I made the best of it...<br /><br />The good thing is that I had thought about the future some and had some savings and a whole lot of good fortune.<br /><br />I live on my income today as my wife tries to get lined out to be able to at least semi-retire at 55.5. She will still work freelance in the wildland fire biz. 10 weeks a year or so.<br /><br />If one hasn't paid into SS for the previous 5 consecutive years and they become disabled, they won't pay. That is the only reason my wife had to go back to work 3 years ago...she had worked as a emergency hire without benefits or being able to pay into SS. She has MS although it is in remission.<br /><br />So I don't know if that helps. I grew up thinking that the only way to get money was to work and I did until I couldn't...I tried to make the best of it and find stuff I kinda liked...I had no real career so it was a unlimited field of stuff I could do...what freedom that was.<br /><br />I am now glad I stuck with the feds, although the pay was half to a third of what the private sector made where I lived...their willingness to pay the bulk of my healthcare in retirement alone is worth it all. <br /><br />Good luck,<br />Bri

 

[stude53]

I retired due to health problems at 62. Not nearly ready. I liked my job...just couldn't do it any more.<br /><br />We live on&nbsp;limited&nbsp;income today(small pension and SS)&nbsp;... my wife works five days a week, and will still work for awhile to make ends meet, the only reason my wife had to go back to work&nbsp;4 years ago. I wish she could retire, too, but it's hard.<br /><br />Bob

 

[Ricekila]

Now I'm looking at early retirement at 62 in Nov. and take whatever I'm able to get - unless some company is looking for a fossil <img src="/images/boards/smilies/rolleyes.gif" alt="" align="absMiddle" border="0" />