Full Retirement Age in 2026

The Social Security full retirement age (FRA) has gradually increased over time.

• Born in 1958: FRA is 66 years and 8 months
• Born in 1959: FRA is 66 years and 10 months
• Born in 1960 or later: FRA is 67

According to the Social Security Administration, individuals born between March 1, 1959, and December 31, 1959, will reach their full retirement age in 2026. Those born in 1960 or later will not reach full retirement age until age 67, beginning in 2027 and beyond.

Will the Retirement Age Increase Again?

Despite concerns about Social Security’s long-term solvency — with trust funds projected to be depleted by 2034 — SSA leadership has stated that raising the retirement age is not under consideration.

Commissioner Bisignano clarified earlier comments by emphasizing that the administration’s focus remains on reducing waste, fraud, and abuse rather than cutting benefits.

Can You Claim Benefits Before Full Retirement Age?

Yes. Workers may begin claiming Social Security as early as age 62, but doing so permanently reduces monthly benefits.

Conversely, delaying benefits beyond full retirement age increases payouts. Those who wait until age 70 receive the maximum monthly benefit available to them.