Speaker 1: Persons who were born between 1943 and 1954 have had their full retirement age raised to 66, so at 66, you can get your full retirement benefits. If you take them earlier, at age 62, you're going to have a reduction of about 25%. On the other hand, if you wait until you're 70, you're going to have an increase of about 25% over what benefits you would have gotten at your full retirement age of 66. There are also provisions for spouses to collect social security, and for widows and widowers.