15-05-2025
Social Security retirement age is changing: what to know about full benefits
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(WJW) — Retirement is the goal. It's the dream. But for those looking to stop working full time and enjoy their golden years, there is something new to know about Social Security retirement benefits.
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In 2025, the full retirement age (FRA) has changed for those born in 1960 (and above). In order to receive a full check, U.S. citizens (turning 65 this year) must wait until they're 67 years old.
The change comes as part of a phased approach taken by the federal government back in 1983, when they made amendments to the Social Security Act that were intended to help keep the program afloat.
Those born before 1960 are still in luck to claim before hitting age 67, according to the Social Security Administration:
Those born between 1943-1954 have full benefits at age 66
1955 is 66 years and two months
1956 is 66 years and four months
1957 is 66 years and six months
1958 is 66 years and eight months
1959 is 66 years and 10 months
This all applies to full benefits, of course. Those who'd like to receive a partial Social Security check can do so starting at age 62 (but that means getting about 30% less per month). Those who want to make more money, can stave off their payments until 70, receiving about 24% more in their monthly checks.
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Despite the age changes, a recent poll conducted by The Associated Press-NORC Center for Public Affairs Research found that over 50% of soon-to-be retirees who were surveyed said they are not confident Social Security benefits are going to be available when needed.
Social Security payments are calculated based on how much money a person has earned during their life. People are also eligible for Medicare starting at age 65. Find out more about exact payments right here.
At this time, there are no legislative efforts to move up the Social Security FRA even further.
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