摘要：For individuals born in 1960 or later, the full retirement age for Social Security benefits is set at 67 years. This milestone is

What happens if you retire at age 67 in the United States

For individuals born in 1960 or later, the full retirement age for Social Security benefits is set at 67 years. This milestone is crucial for determining the amount of monthly benefits one can receive. On average, a 67-year-old retired worker receives $1,883.50 per month. However, this figure is slightly below the overall average benefit of $1,905.31, which includes a mix of retirees who began collecting benefits at various ages.

对于 1960 年或以后出生的人，社会保障福利的完全退休年龄定为 67 岁。这一里程碑对于确定一个人可以领取的每月福利金额至关重要。平均而言，一名 67 岁的退休工人每月可领取 1,883.50 美元。然而，这一数字略低于 1,905.31 美元的总体平均福利，其中包括从不同年龄开始领取福利的退休人员。

The distinction in average benefits arises because those who are 67 years old today have not had the opportunity to delay their benefits beyond the full retirement age. Delaying Social Security benefits can lead to a significant increase in monthly payments. Specifically, if you wait until age 70 to start collecting, your benefits can be permanently increased by up to 24%, offering a substantial （重大的）financial advantage.

平均福利存在差异，是因为如今 67 岁的人没有机会在完全退休年龄之后延迟领取福利。延迟领取社会保障福利可能导致每月支付金额大幅增加。具体来说，如果你等到 70 岁才开始领取，你的福利可以永久增加高达 24%，带来巨大的经济优势。

For context, individuals who began collecting Social Security before reaching full retirement age receive an average of $1,666.70 per month. In contrast, those who delay their benefits until after reaching full retirement age enjoy a higher average monthly benefit of $2,720.35. This difference underscores the importance of strategic planning when it comes to Social Security.

举个例子，在达到完全退休年龄之前开始领取社会保障金的人每月平均可获得 1,666.70 美元。相比之下，那些推迟领取福利直到达到完全退休年龄的人每月平均可获得 2,720.35 美元的福利。这一差异凸显了战略规划在社会保障方面的重要性。

It's also essential to recognize that Social Security encompasses (包括) more than just benefits for retired workers. For instance, the average spousal benefit for a 67-year-old is $833.43 per month. This benefit is designed to support spouses who may not have accumulated sufficient work credits on their own.

还必须认识到，社会保障不仅仅包括退休工人的福利。例如，67 岁老人的平均配偶福利为每月 833.43 美元。这项福利旨在支持那些可能自己没有积累足够工作积分的配偶。

Additionally, the Social Security program provides for survivors. A nondisabled widow or widower aged 67 receives an average survivors benefit of $1,916.72 per month. This aspect of Social Security ensures financial support for those who have lost a spouse, helping to alleviate （缓和）some of the financial burdens during a challenging time.

此外，社会保障计划还为遗属提供补助。67 岁的非残疾寡妇或鳏夫每月平均可获得 1,916.72 美元的遗属补助。社会保障的这一方面确保为失去配偶的人提供经济支持，帮助在困难时期减轻一些经济负担。

Understanding these various components of Social Security is vital (必不可少的)for making informed decisions about retirement. The timing of when you choose to start collecting benefits can have long-lasting effects on your financial well-being. Therefore, it's crucial to consider your personal circumstances and financial needs when planning your retirement strategy.

了解社会保障的各个组成部分对于做出明智的退休决定至关重要。您选择开始领取福利的时间可能会对您的财务状况产生长期影响。因此，在规划退休策略时，考虑您的个人情况和财务需求至关重要。

In conclusion, while the average Social Security benefit for a 67-year-old may seem straightforward, the decision of when to start collecting is anything but simple. By carefully evaluating your options and understanding the potential benefits of delaying, you can optimize your Social Security income and enhance your financial security in retirement.

总之，虽然 67 岁老人的平均社会保障福利看似简单，但决定何时开始领取却绝非易事。通过仔细评估您的选择并了解延迟领取的潜在好处，您可以优化您的社会保障收入并增强退休后的财务保障。

来源：大卫王遥远的太平洋