you don't have to check, can I ask when I can start my benefits?
You can start your retirement benefit at any point from age 62 up until age 70 .Your benefit amount will be higher the longer you delay starting it. This adjustment is usually permanent. .
so I get less if I apply early before full retirement and when is full retirement?
Yes, your benefits are reduced because you are taking them earlier before full retirement age.  Full retirement age is 66 for people born between 1943 and 1954.Beginning with 1955, two months are added for every birth year until the full retirement age reaches 67 for people born in 1960 or later.