Maintaining the ratio of working to retirement years is a reasonable first approximation to a guideline for determining the eligible age for retirement and health benefits.

维持工作和退休时间的比率是决定退休和医疗保障的合适年龄的第一步。

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There is a minimum age at which you become eligible for Social Security retirement benefits, and this is the same for all people, 62.

FORBES: The Social Security Spousal Benefit - Further Explanation

If the Social Security recipient is filing for benefits prior to Full Retirement Age and he is also eligible for the Spousal Benefit at the same time (that is, his spouse has already filed for her own benefit), then another special provision applies, called Deemed Filing.

FORBES: The Social Security Spousal Benefit - Further Explanation

Many investors today who had planned to retire early at 62 when they became eligible for Social Security benefits albeit at a reduced rate compared with retiring at full retirement age are discovering that those benefits, combined with their retirement savings, cannot support the lifestyle they expected or provide the financial cushion in retirement they desire.

FORBES: Delaying Retirement, But Not Your Retirement Dreams