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Dear Rusty: I was born in 1956 and my wife in 1961. I’ve got 45 years of SSA earnings, and I will have income in 2021. We have 4 minor children, the youngest born in 2012. When is the best time for us to apply for benefits? Are we eligible for family benefits? My statement infers that we are. Signed: Older Dad Dear Older Dad: Born in 1956, your full retirement age (FRA) for Social Security purposes is 66 years and 4 months. If you claim your SS benefit at any time before your FRA, it will be permanently reduced. If, for example, you claimed your SS benefits now, the amount would be permanently cut by about 14%. Your wife’s FRA is 67 and, similarly, she will receive a reduced SS retirement or SS spousal benefit if taken any time before her FRA.

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