We calculate a basic amount as if you had reached full retirement age at the time you die. (ssa.gov)
For example, those entitled to a $ 1,000 monthly benefit at full retirement age of 66 would collect only $ 750 per month at age 62. (cnbc.com)
If you're thinking about starting your retirement benefit before full retirement age while still working, you should take this factor into account. (fairmark.com)