§ 404.409 What is full retirement age?
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Title 20—Employees' Benefits > CHAPTER III—SOCIAL SECURITY ADMINISTRATION > PART 404—FEDERAL OLD-AGE, SURVIVORS AND DISABILITY INSURANCE (1950- ) > Subpart E—Deductions; Reductions; and Nonpayments of Benefits
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Full retirement age is the age at which you may receive unreduced old-age, wife's, husband's, widow's, or widower's benefits. Full retirement age has been 65 but is being gradually raised to age 67 beginning with people born after January 1, 1938. See § 404.102 regarding determination of age.
(a) What is my full retirement age for old-age benefits or wife's or husband's benefits? You may receive unreduced old-age, wife's, or husband's benefits beginning with the month you attain the age shown.
If your birth date is:
Full retirement age is:
Before 1/2/1938
65 years.
1/2/1938—1/1/1939
65 years and 2 months.
1/2/1939—1/1/1940
65 years and 4 months.
1/2/1940—1/1/1941
65 years and 6 months.
1/2/1941—1/1/1942
65 years and 8 months.
1/2/1942—1/1/1943
65 years and 10 months.
1/2/1943—1/1/1955
66 years.
1/2/1955—1/1/1956
66 years and 2 months.
1/2/1956—1/1/1957
66 years and 4 months.
1/2/1957—1/1/1958
66 years and 6 months.
1/2/1958—1/1/1959
66 years and 8 months.
1/2/1959—1/1/1960
66 years and 10 months.
1/2/1960 and later
67 years.
(b) What is my full retirement age for widow's or widower's benefits? You may receive unreduced widow's or widower's benefits beginning with the month you attain the age shown.
If your birth date is:
Full retirement age is:
Before 1/2/1912
62 years.
1/2/1912—1/1/1940
65 years.
1/2/1940—1/1/1941
65 years and 2 months.
1/2/1941—1/1/1942
65 years and 4 months.
1/2/1942—1/1/1943
65 years and 6 months.
1/2/1943—1/1/1944
65 years and 8 months.
1/2/1944—1/1/1945
65 years and 10 months.
1/2/1945—1/1/1957
66 years.
1/2/1957—1/1/1958
66 years and 2 months.
1/2/1958—1/1/1959
66 years and 4 months.
1/2/1959—1/1/1960
66 years and 6 months.
1/2/1960—1/1/1961
66 years and 8 months.
1/2/1961—1/1/1962
66 years and 10 months.
1/2/1962 and later
67 years.
(c) Can I still retire before full retirement age? You may still elect early retirement. You may receive old-age, wife's or husband's benefits at age 62. You may receive widow's or widower's benefits at age 60. Those benefits will be reduced as explained in § 404.410.
[68 FR 4707, Jan. 30, 2003]
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