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.
The age at which you can start receiving full Social Security retirement benefits is a moving target and depends on the year you were born (see table below). You can elect to take benefits early at age 62 (earlier only if you are a survivor or on disability), or wait as late as age 70.or example, if your full retirement age is 66 and you elect to start benefits at age 62, the reduced benefit calculation is based on 48 months. This means that the reduction for the first 36 months is 20% (five-ninths of 1% times 36) and 5% (five-twelfths of 1% times 12) for the remaining 12 months.