The Following benefits are reduced depending on when you began receiving them: Retirement benefits at age 62 and before full retirement age. Spouse benefits at age 62 before full retirement age. Widow’s or widower’s benefits beginning at any time from age 60, or age 50 if you are disabled until the month before you reach full retirement age. Widow’s or widower’s benefits, if your spouse received a retirement benefit before their full retirement age. Disability benefits received after a reduced retirement benefit. Retirement or disability benefits received after a reduced widow’s or widower’s benefit.