Headlines are buzzing with claims that the Social Security Administration (SSA) has changed the retirement age again in September 2025—and that it’s no longer 67. But is that true? Let’s separate fact from rumor and look at what’s really happening with Social Security retirement ages.
Has the Retirement Age Really Changed?
The short answer: No sudden rule change happened in September 2025. What’s happening now is the continuation of a gradual retirement age increase that has been in place since the 1983 amendments.
The Exact Full Retirement Age in 2025
Your Full Retirement Age (FRA) depends on your year of birth:
- If you were born in 1959, your FRA is 66 years and 10 months.
- If you were born in 1960 or later, your FRA is 67 years.
This means that the 67-year rule still applies, but only for people born in 1960 and after. For 1959 births, the FRA is slightly under 67.
Why the Confusion?
Many people assume Social Security has made a brand-new change, but in reality, this is simply the phased rollout of an old law. Each birth year between 1955 and 1960 has seen small FRA increases, moving from 66 to 67 in two-month increments.
Why FRA Matters for Your Benefits
Knowing your exact FRA is crucial because it impacts how much you’ll receive:
- Claiming early at 62 cuts your monthly benefit by up to 30%.
- Claiming at FRA ensures you get 100% of your benefit.
- Delaying until 70 boosts your check by up to 32% more, thanks to delayed retirement credits.
Quick FRA Chart by Birth Year
| Birth Year | Full Retirement Age (FRA) |
|---|---|
| 1955 | 66 years + 2 months |
| 1956 | 66 years + 4 months |
| 1957 | 66 years + 6 months |
| 1958 | 66 years + 8 months |
| 1959 | 66 years + 10 months |
| 1960 or later | 67 years |
The Bigger Picture
Raising the FRA was designed to help strengthen Social Security’s long-term solvency as Americans live longer. While there are ongoing discussions in Washington about further changes, no new law has been passed to push the age beyond 67.
Conclusion: Despite the hype, the SSA did not change the retirement age for everyone in September 2025. The FRA remains 66 years and 10 months for those born in 1959, and 67 for those born in 1960 and after. Understanding your exact FRA will help you plan smarter, avoid costly mistakes, and maximize your retirement income.
Disclaimer: This article is for informational purposes only. For official updates on your retirement age and benefits, visit the Social Security Administration (SSA) website or speak with a financial advisor.
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