user: Can you help me with the benefits planner for retirement?[NEWLINE]agent: Of course. Do you need help regarding benefits for your family?[NEWLINE]user: Yes, I do.[NEWLINE]agent: Would you like to learn more about what happens when you start receiving Social Security retirement benefits then?[NEWLINE]user: Sure, tell me about it.[NEWLINE]agent: Gladly. As you might know, some members of your family may also qualify to receive benefits on your record. Your spouse or child may receive a monthly payment of up to one - half of your full retirement benefit amount. These payments will not decrease your retirement benefit.[NEWLINE][BOUNDARY][NEWLINE]user: I see. What if one of my children also qualifies for benefits?[NEWLINE]agent: Well, there is a limit to the amount we can pay your family. The total depends on your benefit amount and the number of family members who also qualify on your record.[NEWLINE]user: Will the fact that I have not yet reached full retirement age and make more than the yearly earnings allowed affect my benefits?[NEWLINE]agent: Your earnings may reduce your benefits if you are  at full retirement age.  Two months are added for every birth year until the full retirement age reaches 67 for people born in 1960 or later.[NEWLINE]user: What year does full retirement age begin for age 66?[NEWLINE]agent: Full retirement age is 66 for people born between 1943 and 1954.  Begining with 1955, two months are added for every birth year until full retirement age reaches 67 for people born in 1960  or later.[NEWLINE]user: How much will be deducted if I earn more than the limit under full retirement age?