Statutes, codes, and regulations
Code of Federal Regulations
Title 20 - EMPLOYEES' BENEFITSChapter III - SOCIAL SECURITY ADMINISTRATIONPart 404 - FEDERAL OLD-AGE, SURVIVORS AND DISABILITY INSURANCE (1950-)
Subpart E - DEDUCTIONS; REDUCTIONS; AND NONPAYMENTS OF BENEFITS
Section 404.409 - What is full retirement age?

20 C.F.R. § 404.409

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Current through September 30, 2024
Section 404.409 - What is full retirement age?

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 1/2/193865 years.
1/2/1938-1/1/193965 years and 2 months.
1/2/1939-1/1/194065 years and 4 months.
1/2/1940-1/1/194165 years and 6 months.
1/2/1941-1/1/194265 years and 8 months.
1/2/1942-1/1/194365 years and 10 months.
1/2/1943-1/1/195566 years.
1/2/1955-1/1/195666 years and 2 months.
1/2/1956-1/1/195766 years and 4 months.
1/2/1957-1/1/195866 years and 6 months.
1/2/1958-1/1/195966 years and 8 months.
1/2/1959-1/1/196066 years and 10 months.
1/2/1960 and later67 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 1/2/191262 years.
1/2/1912-1/1/194065 years.
1/2/1940-1/1/194165 years and 2 months.
1/2/1941-1/1/194265 years and 4 months.
1/2/1942-1/1/194365 years and 6 months.
1/2/1943-1/1/194465 years and 8 months.
1/2/1944-1/1/194565 years and 10 months.
1/2/1945-1/1/195766 years.
1/2/1957-1/1/195866 years and 2 months.
1/2/1958-1/1/195966 years and 4 months.
1/2/1959-1/1/196066 years and 6 months.
1/2/1960-1/1/196166 years and 8 months.
1/2/1961-1/1/196266 years and 10 months.
1/2/1962 and later67 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 .

20 C.F.R. §404.409

68 FR 4707, Jan. 30, 2003