§404.409 What is full retirement age?

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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

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