Web Reference: Oct 6, 2025 · Collecting Social Security Benefits at 62 vs. 67 vs. 70 How to receive your highest monthly benefit, and when it makes sense to start collecting early By Phil Pruitt, May 20, 2024 · Many people retire at 62 because that’s the earliest you can collect Social Security retirement benefits. But just because you can claim monthly benefits at 62 doesn’t always mean you should. Social Security pays 100 percent of the benefit calculated from your lifetime earnings history if you claim it at full retirement age. Jan 3, 2024 · How can I get health insurance before age 65? If you retire at 62 and lose your employer’s health insurance, you’ll need to find other coverage until Medicare begins. You have several options. You can transition to retiree health insurance if your employer offers it. But few companies offer retiree health insurance benefits these days.
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