If you were born between 1943 and 1954 your full retirement age is 66
If you start receiving benefits at age 66 you get 100 percent of your monthly benefit. If you delay receiving retirement benefits until after your full retirement age, your monthly benefit continues to increase.
Example: Alex works 6 hours, and Sam works 9 hours. Difference = 6 − 9 = −3. But in this case we ignore the minus sign, so we say the difference is simply 3 (We could have done the calculation as 9 − 6 = 3 anyway, as Sam and Alex are equally important!) The Average is (6+9)/2 = 7.5. Percentage Difference = (3/7.5) x 100% = 40%. If you were born between 1943 and 1954 your full retirement age is 66. If you start receiving benefits at age 66 you get 100 percent of your monthly benefit. Download MacFamilyTree 9 for macOS 10.13.0 or later and enjoy it on your Mac. Discover your personal family history! Genealogy gets a facelift with MacFamilyTree 9: modern, interactive, convenient, and fast.
The chart below explains how delayed retirement affects your benefit. The increase is based on your date of birth and the number of months you delay the start of your retirement benefits. If you start receiving retirement benefits at age:
- 67, you'll get 108 percent of the monthly benefit because you delayed getting benefits for 12 months.
- 70, you'll get 132 percent of the monthly benefit because you delayed getting benefits for 48 months.
When you reach age 70, your monthly benefit stops increasing even if you continue to delay taking benefits.
If you decide to delay your retirement, be sure to sign up for Medicare at age 65.
In some circumstances, medical insurance costs more if you delay applying for it.
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How Delayed Retirement Affects Your Social Security Benefits
| If you start getting benefits at age* | Multiply your Full Retirement Benefit by |
|---|---|
| 66 | 100% |
| 66 + 1 month | 100.7% |
| 66 + 2 months | 101.3% |
| 66 + 3 months | 102.0% |
| 66 + 4 months | 102.7% |
| 66 + 5 months | 103.3% |
| 66 + 6 months | 104.0% |
| 66 + 7 months | 104.7% |
| 66 + 8 months | 105.3% |
| 66 + 9 months | 106.0% |
| 66 + 10 months | 106.7% |
| 66 + 11 months | 107.3% |
| 67 | 108.0% |
| 67 + 1 month | 108.7% |
| 67 + 2 months | 109.3% |
| 67 + 3 months | 110.0% |
| 67 + 4 months | 110.7% |
| 67 + 5 months | 111.3% |
| 67 + 6 months | 112.0% |
| 67 + 7 months | 112.7% |
| 67 + 8 months | 113.3% |
| 67 + 9 months | 114.0% |
| 67 + 10 months | 114.7% |
| 67 + 11 months | 115.3% |
| 68 | 116.0% |
| 68 + 1 month | 116.7% |
| 68 + 2 months | 117.3% |
| 68 + 3 months | 118.0% |
| 68 + 4 months | 118.7% |
| 68 + 5 months | 119.3% |
| 68 + 6 months | 120.0% |
| 68 + 7 months | 120.7% |
| 68 + 8 months | 121.3% |
| 68 + 9 months | 122.0% |
| 68 + 10 months | 122.7% |
| 68 + 11 months | 123.3% |
| 69 | 124.0% |
| 69 + 1 month | 124.7% |
| 69 + 2 months | 125.3% |
| 69 + 3 months | 126.0% |
| 69 + 4 months | 126.7% |
| 69 + 5 months | 127.3% |
| 69 + 6 months | 128.0% |
| 69 + 7 months | 128.7% |
| 69 + 8 months | 129.3% |
| 69 + 9 months | 130.0% |
| 69 + 10 months | 130.7% |
| 69 + 11 months | 131.3% |
| 70 or later | 132.0% |
| *If your birthday is on the 1st of the month, we figure your benefit as if your birthday were in the previous month. | |
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The 'virtual tree', as the option is called, allows you to navigate the family tree and know the details of any person by simply placing the mouse above them.
It is also possible to access ancestor and descendant relationships of any family member, or the migrations done by each of them, visualized in the globe.
The information system is another added value to MacFamilyTree, as it allows you to extract diverse information of a family tree: the relationships that make up a family, the places they've lived in, birthdays and even main events that have happened in their lives.