At least age 62, meet the Rule of 80 (combined age and years of service credit equal at least 80), and have at least five years of service credit. You can start receiving your Social Security retirement benefits as early as age 62.Remember, to be eligible to retire your TMRS account, you need to have five (5) years of service at age 60 or 20 years of service at any age. The Bipartisan Budget Act of 2015 made some changes to Social Security's laws about filing for retirement and spousal benefits. Retirees can apply no earlier than 12 months prior to their retirement effective date. A: If you have five or more years of service when you leave employment, you qualify for a lifetime retirement benefit at age 60. Learn about the unique aspects of retirement planning in San Antonio and discover how our team at PAX Financial Group can help.