Answers
If you were born in 1955 or before, your full retirement is 66 and 2 months. If you were born between 1956 and 1960, your full retirement age could be closer to 67.
Benefits are pro-rated by month, so if you take your benefit early it will only be reduced by a fractional amount.
**All above answers are provided as general information only. No warranty is made regarding the fitness or accuracy of the information provided in this answer. You should seek advice from a licensed CPA, attorney or CERTIFIED FINANCIAL PLANNER™ as to your unique financial situation.