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.
If you start receiving retirement benefits at. 1  age 62, you will get 74.2% of the monthly benefit because you will be getting benefits for an additional 50 months. 2  age 65, you will get 92.2% of the monthly benefit because you will be getting benefits for an additional 14 months.