Retirement at 65 Is Over: Social Security Raises Full Retirement Age for 2026


A major milestone in U.S. retirement policy is here: as of January 1, 2026, the Social Security Full Retirement Age (FRA) will be raised to 67 for anyone born in 1960 or later, officially ending the era when age 65 guaranteed full retirement benefits.

đźš« No More Age 65 for Full Benefits

For those born in 1959, the FRA is currently 66 years, 10 months. Starting in 2026, anyone born in 1960 or later must wait until age 67 to receive 100% of their Social Security benefits.

Why the Shift?

The change stems from the 1983 Social Security Amendments, which phased in the FRA in 2-month increments to address longer life expectancy and mounting pressure on the Social Security system. With retirees now living longer—averages exceed 79 years—the adjustment helps preserve program solvency.

What It Means for You

  • You can still claim benefits as early as age 62, but your monthly amount will be permanently reduced—up to 30% less than the full benefit.
  • Delaying benefits beyond FRA (up to age 70) earns delayed retirement credits, adding about 8% extra per year—up to 124% of the base benefit .

âť“ Who Is Affected?

  • Born 1960 or later: Full FRA is 67.
  • Born 1959: FRA remains 66 years, 10 months.
  • Born before 1959: your FRA is capped at 66–10 months or earlier.

⚖️ Impact on Retirement Planning

This FRA update means:

  • Longer working years or Reduced monthly benefits for early claimers.
  • Deferred claiming strategies become more valuable—especially for those planning beyond age 65.
  • Retirees relying solely on Social Security may need to rethink their timelines and financial assumptions.

📊 Example: How Benefits Change by Claiming Age

Age at ClaimingApprox. Benefit Level
62~70% of full benefit
65~87%
66–10 months100% (for those born in 1959)
67100% (for those born 1960+)
70~124%

Delaying retirement past FRA includes valuable credits that increase lifetime benefits significantly.


âś… What You Should Do Now

  1. Check your birth year to confirm your FRA.
  2. Visit SSA.gov or your Social Security statement for a personal benefit estimate.
  3. Evaluate claiming age options—consider health, finances, and work plans.
  4. Review retirement savings strategies if you’re nearing FRA or planning early retirement.

🔍 Final Takeaway

The full retirement age of 67 in 2026 marks the official end of the long-standing 65-year standard. This shift reflects rising lifespans and system sustainability pressures. For many, working longer or delaying benefits may be the most effective path to maximizing longevity and income.

Would you like a breakdown by birth year or a calculator-based guide to claiming strategies?