At what age do benefits become unreduced for early retirees who have claimed benefits?

Benefits for early retirees who have claimed Social Security benefits become unreduced at full retirement age. Full retirement age is the age at which a person may first become entitled to unreduced retirement benefits, and it varies based on the year of birth. For many individuals, this age is typically between 66 and 67 years.

Once a retiree reaches this age, they are eligible to receive their full benefit amount without any reductions that typically apply to those who choose to start receiving benefits early, before reaching full retirement age. By choosing to retire early, individuals face a permanent reduction in their monthly benefits, which is why reaching full retirement age is crucial for receiving the maximum benefit without reductions.

The options concerning age 60, age 65 regardless of birth year, and age 70 do not accurately represent the rules governing benefit reductions in relation to Social Security. Age 70 refers to a later stage in which individuals can earn delayed retirement credits to increase their benefits, but it does not pertain to the point at which benefits become unreduced.