Many Americans are confused about the Social Security full retirement age (FRA) and whether it is increasing. Let’s break it down in simple terms so you know exactly what to expect.
What Is Full Retirement Age (FRA)?
Your full retirement age is the age at which you can claim 100% of your Social Security benefits.
- If you claim before FRA, your monthly benefits are reduced.
- If you claim after FRA, your benefits increase each year until age 70.
Is the Retirement Age Increasing?
Yes — but only for people born after certain years.
- For those born in 1937 or earlier → FRA was 65.
- For those born between 1943–1954 → FRA is 66.
- For those born in 1960 or later → FRA is 67.
That means the “increase” has already been scheduled into law and is not a sudden change. The Social Security Administration has been gradually raising FRA from 65 to 67 over time.
Why Did the FRA Increase?
The main reason is longer life expectancy. When Social Security started in 1935, people lived shorter lives. Today, most people live much longer, so raising the FRA helps keep the program financially stable.
Will FRA Increase Again in the Future?
- As of 2025, FRA stops at 67 for anyone born in 1960 or later.
- There are discussions in Congress about possibly raising it again (for example, to 68 or 70) because of Social Security’s funding challenges.
- However, no new law has passed yet. If changes happen, they would likely apply to younger generations, not people close to retirement.
Key Takeaways
- Your FRA depends on your birth year.
- The FRA increase from 65 → 67 is already in effect.
- If you were born in 1960 or later, your FRA is 67.
- Any future increases would need a new law from Congress.
FAQ
1. Is the Social Security retirement age going up in 2025?
No, the increase has already been phased in. For people born in 1960 or later, FRA is 67, and it stays there.
2. What happens if I retire before my full retirement age?
You can start benefits at 62, but your monthly payment will be permanently reduced.
3. Will the FRA rise to 70?
Some proposals suggest raising it further, but as of now, no new law has been passed.
4. How do I find my exact FRA?
Check the Social Security Administration’s FRA chart, based on your birth year.