Full retirement age for Social
Security benefits
Source: Social Security Administration |
Date of Birth |
Full retirement age |
1937 or earlier |
65 years |
1938 |
65 years + 2 months |
1939 |
65 years + 4 months |
1940 |
65 years + 6 months |
1941 |
65 years + 8 months |
1942 |
65 years + 10 months |
1943-1954 |
66 years |
1955 |
66 years + 2 months |
1956 |
66 years + 4 months |
1957 |
66 years + 6 months |
1958 |
66 years + 8 months |
1959 |
66 years + 10 months |
1960 or later |
67 years |
Delayed retirement
If you choose to delay receiving benefits beyond your full retirement age, you have two more options:
- You can work and get full retirement benefits no matter how much you earn; or
- You can decide not to collect your retirement benefits until age 70 and then get a higher benefit when you do retire.
Social Security benefits are increased by a certain percentage depending on the year you were born. If, for example, you were born in 1940, your benefits would increase 7 percent for each year, between your full retirement age and age 70, that you do not get retirement benefits. |
