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.
Private Pensions. Private pension plans have their own rules for when you can receive full retirement benefits. Most private pension plans still consider 65 to be the retirement age. Some plans may offer the option to retire as early as age 55, but with a reduced benefit amount.ou can collect a Social Security retirement benefit starting at age 62, but it will be 30 percent lower than if you waited until age 66.