Chartered Retirement Planning Counselor (CRPC) Practice Exam 2026 - Free CRPC Practice Questions and Study Guide

Henry and Etta can expect to receive their respective primary insurance amounts from Social Security at their Full Retirement Ages. This is because the Social Security Administration defines the Full Retirement Age as the age at which an individual can claim their full, unreduced retirement benefits based on their earnings history.

Every individual has a primary insurance amount (PIA), which is calculated based on their highest 35 years of earnings. This amount is what they will receive if they start taking benefits right at their Full Retirement Age, without any reductions for early retirement or incentives for delaying benefits beyond Full Retirement Age.

For those who choose to retire before reaching their Full Retirement Age, their benefits are reduced; those who delay benefits can earn increased monthly payments. Consequently, expecting to receive their PIAs at Full Retirement Age aligns perfectly with this understanding of how Social Security benefits work.

This reflects the important concept that individuals planning for retirement should be aware of their Full Retirement Age and how it affects their Social Security benefits, ensuring they maximize their financial resources in retirement.