Social Security Full Retirement Age

The age at which you can receive your full retirement benefit is called your full retirement age.

Full retirement age (also known as normal retirement age) determines when you can receive your full retirement benefit. If you choose to begin receiving retirement benefits earlier, your benefit will be a reduced percentage of the amount you would have received if you waited, as explained here. You can also receive an increased benefit by delaying still further, until after your full retirement age.

Full Retirement Age

For a long time, full retirement age was fixed at 65 years. In a major overhaul designed to improve the solvency of the system back in 1983, Congress passed a law that increased the full retirement age for people born after 1937. The following table gives the full retirement age under current law:

Full Retirement Age
Year of Birth	Full Retirement Age
1937 and earlier	65
1938	65 and 2 months
1939	65 and 4 months
1940	65 and 6 months
1941	65 and 8 months
1942	65 and 10 months
1943 - 1954	66
1955	66 and 2 months
1956	66 and 4 months
1957	66 and 6 months
1958	66 and 8 months
1959	66 and 10 months
1960 and later	67

For purposes of this chart (both determining the year of birth and the month in which full retirement age is reached), people born on the first day of a month are treated as if they were born at the end of the preceding month.