Americans born in 1952 can retire at age 62 and receive Social Security benefits, but their full retirement age is 66, and they can wait until 70, states the Social Security Administration. Retirees at age 62 receive 75 percent of their monthly benefit and receive 93.3 percent at age 65.
As of 2015, retirees who begin receiving spousal benefits at their full retirement age receive 50 percent of the monthly benefit the spouse would receive if the spouse's benefits started at full retirement age. Retirees at age 62 receive 35 percent of the spouse's monthly benefit, rather than 50 percent, because they receive benefits for 48 months longer. Retirees at age 65 receive 45.8 percent of the monthly benefit because they receive benefits 12 months longer. At age 60, a widow or widower can begin receiving Social Security survivors benefits based on age, notes the Social Security Administration.