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Social Security's full-benefit retirement age is increasing gradually because of legislation passed by Congress in 1983. Traditionally, the full benefit age was 65, and early retirement benefits were first available at age 62, with a permanent reduction to 80 percent of the full benefit amount. Currently, the full benefit age is 66 for people born in 1943-1954, and it will gradually rise to 67 for those born in 1960 or later.
To qualify for Social Security retirement benefits, you need to earn at least 40 Social Security credits. What this means is that anyone born in 1929 or later needs to have worked at least 10 years. If you were born before 1929, fewer years are required. Disability credits are calculated slightly differently, and for information on Social Security disability benefits, click here.