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What is Full Retirement Age for Social Security

February 17, 2021 by bob

In order to receive retirement benefits most people need to be 62 years old to receive a discounted monthly Social Security payment.  If you wait until you reach full retirement age as set by Social Security you will receive 100% of your earned benefit.  Benefits are reduced about .05% for each month your benefits are started before you reach your full retirement age or approximately 25% if you enroll at 62 years old.

For the past 50 years full retirement age has been 65 but in the 1980’s, Congress raised the retirement age in a staged increased based on your birth year.  The following chart shows how this works:

Year born                                            Full Retirement Age Is:

1955                                                       66 and 2 months

1956                                                       66 and 4 months

1943-1954                                            66

1957                                                       66 and 6 months

1958                                                       66 and 8 months

1959                                                       66 and 10 months

1960+                                                    67

If you have questions about Social Security contact us at 940-382-4700 and ask for a Social Security advisor.

Category iconSocial Security,  Uncategorized

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