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Social Security Quiz - Test Your Knowledge

How much do you know about Social Security? Take our quick quiz to find out.

  1. How early can you begin taking Social Security retirement benefits?
    a. Age 62
    b. Age 64
    c. Age 70
  2. What determines your benefit amount?
    a. The age you start taking benefits and your highest 35 years of earnings.
    b. Your retirement age and your highest 20 years of earnings.
    c. Your retirement age.
    d. Your spouse's retirement age.
  3. When should you apply for Social Security?
    a. Age 65
    b. Four months before you want your benefits to start.
    c. It doesn't matter when you apply. You can apply at any time.
  4. Full retirement age is defined as:
    a. Age 62
    b. Age 65
    c. The age you're first eligible for full retirement benefits.
    d. Whatever age you are when you retire.


  1. A. Age 62 is earliest you can collect benefits. However, if you file at age 62, your benefits could be reduced by 25%-30% depending on your full retirement age. 
  2. A. Your Social Security retirement benefit is based on your highest 35 years of earnings, adjusted for inflation, as well as the age you begin taking Social Security. You can view an estimate of your Social Security benefit statement at
  3. B. In general, you should apply for benefits four months before you want them to start.  However, if you want benefits to start at age 62, the earliest you can file is 61 years and 9 months.
  4. C. Full retirement age is the age you're eligible to receive full retirement benefits – currently between ages 66 and 67, depending on the year you were born.

How did you do?

Social Security can be an important benefit to consider when you're planning for retirement, but it's critical to have all the facts. Want to learn more? Visit Your financial advisor can also help you understand your Social Security options and how it can help supplement your retirement income.

More Resources:

Edward Jones Perspective Newsletter

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What should I consider before taking Social Security?

Learn more about what types of considerations you should think about before taking Social Security in retirement.

Three Reasons Social Security Is Important to Women

When it comes to Social Security we understand the special circumstances that are unique to women in general – and to you in particular.

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