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A. You can. Social Security will accept your application for early benefits when you're 61 years 9 months. Regardless of how old you are, the agency generally recommends that you apply three months before you would like the first payment to arrive.
Regardless of your full retirement age in the chart, you still have the option to file for Social Security as early as age 62 or as late as age 70. If you file early, your benefits will be reduced by 6 2/3% per year before your full retirement age, or five-ninths of 1% per month, up to three years early.