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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.
The maximum benefit is the highest amount someone can receive as a Social Security benefit each month. This benefit is based on age at retirement. For someone retiring at full retirement age in 2017, the maximum benefit at $2,687, with lower amounts for people retiring at less than the full retirement age. The maximum withholding is the most that can be taken from an employee's pay for the OASDI (Social Security) fund.