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Delayed Retirement Credit Rates

Age 65 Monthly
percentage (%)
Yearly
percentage (%)
Prior to 1982 1/12 of 1% 1%
1982–1989 1/4 of 1% 3
1990–1991 7/24 of 1% 3.5
1992–1993 1/3 of 1% 4
1994–1995 3/8 of 1% 4.5
1996–1997 5/12 of 1% 5
1998–1999 11/24 of 1% 5.5
2000–2001 1/2 of 1% 6
2002–2003 13/24 of 1% 6.5
2004–2005 7/12 of 1% 7
2006–2007 5/8 of 1% 7.5
2008 or later 2/3 of 1% 8

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Social Security Contribution and Rate ScheduleSocial SecurityWork Credits Required for Living Persons To Be Fully Insured at Age 62

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