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.
Age 62: This is the earliest age you can begin to receive retirement benefits. Your monthly benefit will be permanently reduced. Age 66: This is currently âfull retirement ageâ (FRA). If you delay the start of benefits until you reach this age, you will receive 100% of the benefit you earned. In addition, you will have more choices about how you can take your benefit.(1) Age 70: This is the latest age you want to file for benefits.