When it comes to Social Security benefits, most people assume the full retirement age (FRA) is either 65 or 67. However, the reality is different — and in September 2025, the official full retirement age may surprise you. If you’re planning retirement soon, knowing your exact FRA is crucial to maximize your Social Security benefits.
What is the Full Retirement Age (FRA)?
The Full Retirement Age is the age at which you become eligible to receive 100% of your Social Security retirement benefits. While you can start claiming benefits as early as age 62, doing so will reduce your monthly payments. On the other hand, delaying retirement past your FRA can increase your benefits until age 70.
The Exact Full Retirement Age in September 2025
Contrary to popular belief, the full retirement age is neither 65 nor 67 for most Americans. Instead, it depends on your year of birth:
- Born in 1943–1954 → FRA = 66
- Born in 1955 → FRA = 66 years and 2 months
- Born in 1956 → FRA = 66 years and 4 months
- Born in 1957 → FRA = 66 years and 6 months
- Born in 1958 → FRA = 66 years and 8 months
- Born in 1959 → FRA = 66 years and 10 months
- Born in 1960 or later → FRA = 67
So, in September 2025, people born in 1959 will reach their FRA of 66 years and 10 months. That means the exact retirement age is not 65 or 67, but a specific age depending on birth year.
Why Knowing FRA Matters
Understanding your full retirement age helps you:
- Avoid reduced monthly payments by claiming too early.
- Plan whether to delay retirement to maximize benefits.
- Coordinate Social Security with other retirement savings.
- Make informed decisions about spousal or survivor benefits.
Can You Retire Earlier?
Yes, you can start claiming benefits at 62, but your monthly payments will be permanently reduced — sometimes by up to 30%. For many, waiting until FRA or later is the smarter choice, especially if you expect to live longer.
FAQs
Q1: Is the full retirement age always 67?
No. While it is 67 for those born in 1960 or later, those born earlier have different FRA rules.
Q2: What is the FRA for someone retiring in 2025?
If you were born in 1959, your FRA is 66 years and 10 months.
Q3: Can I claim Social Security before full retirement age?
Yes, but if you claim at 62, your monthly payments will be reduced for life.
Q4: What happens if I delay benefits beyond FRA?
You can increase your benefits up to age 70 by earning delayed retirement credits.
Q5: Does FRA affect spousal or survivor benefits?
Yes. Claiming before FRA can also reduce spousal or survivor benefits.