What Is My Full Retirement Age

67. If you were born in 1960 or later. If you were born before 1960, your full retirement age may be slightly different.

  • For those born between 1943 and 1954, the full retirement age is 66.
  • For those born in 1955, the full retirement age is 66 and 2 months.
  • For those born in 1956, the full retirement age is 66 and 4 months.
  • For those born in 1957, the full retirement age is 66 and 6 months.
  • For those born in 1958, the full retirement age is 66 and 8 months.
  • For those born in 1959, the full retirement age is 66 and 10 months.
  • For those born in 1960 or later, the full retirement age is 67.

Knowing when you reach full retirement age is critical to understanding how your benefit will be reduced or increased for filing early or later. This is because your benefit is increased (for filing after full retirement age) or decreased (for filing before full retirement age) on a monthly basis.

Chart showing how social security benefits are adjusted for filing age

When considering the right age to file for your own Social Security, you should consider the 10 factors that must be a part of this decision. Check out my article How To Determine the Right Age to Collect Social Security.

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