The Social Security Administration confirms that you must be 66 years and 10 months old to reach Full Retirement Age (FRA) in 2025. This will be the moment when you can get 100% of your retirement benefit payments. Filing for retirement before that age will mean receiving less money from the Administration.
Some people claim Social Security at 62 to enjoy retirement and stop working. However, this will reduce your monthly payment by about 30 percent. On the contrary, others prefer to delay retirement until they are 70 to benefit from a 24% extra thanks to delayed credits.
Age changes in 2025 to get Social Security at FRA
For your information, not all American workers reach Full Retirement Age at the same age. As a matter of fact, it will continue increasing until it becomes 67. Therefore, the Full Retirement Age was 66 years and 8 months in 2024 and early 2025.
As a matter of fact, it used to be 65 years old when Americans reached Full Retirement Age. The Social Security Administration has made these changes to update Full Retirement Age to the current life expectancy.
Undoubtedly, Americans lifespan has increased a great deal since the Social Security first started to issue payments. Actually, seniors did not live so long back then and they did not receive payments for so many years as in 2025.
What is the Full Retirement Age in 2025?
The current Full Retirement Age is 67 years old for people who are 62 years old in 2025. Therefore, if you were born in 1960 or later, your Full Retirement Age is 67.
If you are not sure when you reach Full Retirement Age, make use of the great tool SSA has provided workers with. the Retirement Age Calculator will help you find out about your FRA.
Visit SSA’s official website to learn more about this useful calculator: https://www.ssa.gov/benefits/retirement/planner/ageincrease.html. Another helpful thing Social Security has is its Statement. Download it to see how much you could get at different ages and if you qualify for retirement, SSDI and a much more.
