There are one set of twins that were born 87 days apart. One baby  was born on June 1, 2012. The next baby was born on August 26,  2012.
Not until you reach retirement age. Typically that's 65, though many pension plans allow you to start collecting early retirement benefits as early as age 55. If you decide to start receiving benefits before you reach full retirement age, the size of your monthly payout will be less than it would have been if you'd waited. Ask the folks who run your plan to create a simple table showing you how your payments will vary depending on when you start.
Retirement Benefits. When should I start Social Security benefits? Learn the pros and cons of retiring at age 62, 66, 70 or any time from 62 to 70 years old. An insider tip explains a way to get some benefits early and still get the 32% bonus at age 70. Learn how you can sign up for retirement benefits but suspend checks to get extra money for your family in the long run.