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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.
Financial planners estimate that Social Security benefits today provide, on average, about 40 percent of what you'll need to maintain your lifestyle once you hang up your dancing shoes. OK, so just about everybody approaching retirement age qualifies for Social Security. However, the Social Security Administration calculates your benefit amount based on your average earnings over 35 years, not on your number of credits or how much you paid in taxes.