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What is the Social Security Retirement Age? Social Security's full-benefit retirement age is increasing gradually because of legislation passed by Congress in 1983. Traditionally, the full benefit age was 65, and early retirement benefits were first available at age 62, with a permanent reduction to 80 percent of the full benefit amount. Currently, the full benefit age is 66 for people born in 1943-1954, and it will gradually rise to 67 for those born in 1960 or later.
Many older Americans start collecting their checks too early. About two-thirds of Americans file for Social Security at age 62, according to Kisner. This is the earliest a person can begin collecting, and is several years before the cut-off for receiving full benefits, known as the full retirement age (FRA).