20 CFR 404.312
§ 404.312 How is my old-age benefit amount calculated?
United States · 20 CFR — Employees' Benefits · Status: effective
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- Citation
- 20 CFR 404.312, § 404.312 How is my old-age benefit amount calculated?, United States, version 1 as recorded 2026-07-09, yourstate.us, https://yourstate.us/provision/78213
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Full text
(a) If your old-age benefits begin in the month you attain full retirement age (as defined in § 404.409), your monthly benefit is equal to the primary insurance amount (as explained in subpart C of this part).
(b) If your old-age benefits begin after the month you attain full retirement age, your monthly benefit is your primary insurance amount plus an increase for retiring after full retirement age. See § 404.313 for a description of these increases.
(c) If your old-age benefits begin before the month you attain full retirement age, your monthly benefit amount is the primary insurance amount minus a reduction for each month you are entitled before you attain full retirement age. These reductions are described in §§ 404.410 through 404.413.
Legislative history
This is a federal regulation, adopted through agency rulemaking under the Administrative Procedure Act — not enacted by a recorded vote of Congress.