What Is Full Retirement Age?
Full retirement age (FRA) is the age at which a person can receive 100% of their Social Security retirement benefit in the United States. It depends on birth year and is 67 for people born in 1960 or later. Benefits can start as early as 62 at a permanently reduced amount, or be delayed up to 70 for an increased amount.
Early vs. Delayed Claiming
Claiming before FRA reduces the monthly benefit; delaying past FRA earns delayed retirement credits until age 70.
Birth Year and FRA
Full retirement age was 65 for people born before 1938 and has been phased up gradually: for example, 66 for those born 1943–1954, rising by two months per birth year to 67 for those born in 1960 or later.
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Last updated: September 27, 2026. This definition is for general educational purposes only. It is not financial, investment, tax, legal, or medical advice, and it does not recommend any product or course of action. For decisions about your own situation, consult a qualified professional.