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With Social Security, you never run out of money. Tom Sightings For many of us â people born between 1943 and 1954 â the regular retirement age is 66. You're eligible for Social Security as early as age 62, but you suffer a penalty if you start then. You can also delay taking benefits until 70, and then you get a bonus.Tom Sightings. The penalty for taking Social Security early is around 7 percent a year, and the bonus for delaying is also about 7 percent a year.If your benefit at age 66 is figured at the average of $1,268 a month, then you'll only receive about $1,180 per month if you sign up at age 65.ith Social Security, you never run out of money. Tom Sightings For many of us â people born between 1943 and 1954 â the regular retirement age is 66. You're eligible for Social Security as early as age 62, but you suffer a penalty if you start then. You can also delay taking benefits until 70, and then you get a bonus.
You can take early retirement at age 62 if you have accumulated the required 40 work credits, but your benefit amount will be reduced to approximately 75% of what you would re â¦ ceive if you postponed retirement until full retirement age (66 for people born between 1943 and 1954) or later.ou can collect Social Security disability benefits at age 30 if you are found disabled under Soc â¦ ial Security guidelines and if you or a spouse have earned a sufficient number of work credits to qualify.