{"id":"social-security-retirement-benefits","name":"Social Security Retirement Benefits","provider":"Social Security Administration","entitlement_type":"government-benefit","entitlement_type_label":"Government benefit","entitlement_type_context":{"definition":"A government-funded or administered benefit, service, coverage program, assistance program, or public access route.","domain":"public-benefits","archetype":"direct-program","agent_instruction":"Identify the administering jurisdiction and disclose income, household, age, disability, immigration, residence, renewal, fee, and capacity rules that apply."},"summary":"Monthly retirement benefits based on a worker's Social Security-covered earnings record.","benefit":{"description":"Monthly income after an approved retirement application; the amount depends on earnings history and the age benefits start.","estimated_value_usd":null},"discovery":{"focus":"public-service","has_estimated_dollar_value":false},"access":{"relationships":["Worker with sufficient Social Security credits","Potential spouse or family beneficiary under Social Security rules"],"requirements":"A worker generally needs enough Social Security work credits and must be at least age 62 to start retirement benefits. Spouses, former spouses, and survivors may qualify under separate rules.","activation":"Create or use a my Social Security account to review estimates, choose a start date, and submit an application, generally up to four months before benefits should begin.","cost_basis":"no-cost","cost_basis_label":"No-cost access","cost_basis_context":{"classification":"free","definition":"The core benefit has no required payment, purchase, deposit, paid membership, or pre-existing paid-product relationship under the captured terms.","agent_instruction":"Still disclose optional add-ons, transportation, parking, replacement charges, taxes, capacity, and eligibility conditions found in fees or requirements.","variation_patterns":null,"does_not_mean":null},"fees":"No application fee. Claiming before full retirement age can permanently reduce the monthly amount, and taxes or Medicare premiums may apply.","personalized":false,"regions":["US","Eligible people abroad under program rules"],"expires":null},"status":"verified","last_checked":"2026-08-04","claim_url":"https://www.ssa.gov/apply","source_url":"https://www.ssa.gov/retirement","source":{"primary_url":"https://www.ssa.gov/retirement","evidence":[{"source":"Social Security Administration","url":"https://www.ssa.gov/retirement","kind":"provider","checked_at":"2026-08-04"}]},"parent":null,"coverage":{"level":"national","family":"tax-and-financial-help","jurisdiction":"United States","maturity":"direct"},"web_url":"/benefits/social-security-retirement-benefits","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}}