Greetings, Bgmd, and welcome. You asked:<<If you work 35 years and you're not 62 years of age (born in 49), a person wouldn't be entitled to full SS benefits - Correct? My spouse is in the same situation. >>The earliest age at which you may draw a retirement benefit from the SSA is age 62. That would be a reduced benefit from that which you could draw at full retirement age, which in your case is age 66. To learn more about your potential benefits and how they would be calculated, visit the SSA site at www.ssa.gov.Regards..Pixy
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