Full retirement age is 67 for everyone born in 1960 or later under a schedule already written into law

Popularity Index: 3 Updated at 2026-10-23 08:22 UTC

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The full retirement age for Social Security is 67 and the earliest reduced claim is 62 The earnings test withholds part of the benefit above an annual limit and then recalculates at full retirement age Disability benefits convert to retirement benefits at full retirement age with no change in the amount Up to 85 percent of a Social Security benefit can be taxable depending on other income A retroactive lump sum covers up to six months of unclaimed benefits past full retirement age The benefit estimate on your statement assumes you keep earning at your recent rate until you claim The maximum benefit at full retirement age runs close to three times the average benefit A spouse can claim up to half of the worker's benefit but only from their own full retirement age A widow or widower steps up to the full amount the deceased worker was receiving The Windfall Elimination Provision and the Government Pension Offset were repealed in 2025

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